Call reports 2012
COGENT BANK — 2012
What COGENT BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 198,634,000 | 194,122,000 | 183,341,000 | 170,197,000 |
| Total loans | 129,852,000 | 127,587,000 | 116,303,000 | 108,788,000 |
| Allowance for loan losses | 6,595,000 | 6,827,000 | 5,464,000 | 5,885,000 |
| Securities available for sale | 52,828,000 | 54,500,000 | 49,311,000 | 51,673,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,717,000 | 164,763,000 | 156,625,000 | 142,035,000 |
| Interest-bearing deposits | 159,928,000 | 155,220,000 | 146,256,000 | 131,121,000 |
| Noninterest-bearing deposits | 9,789,000 | 9,543,000 | 10,369,000 | 10,914,000 |
| Equity capital | 8,504,000 | 8,686,000 | 9,077,000 | 7,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,923,000 | 4,126,000 | 6,189,000 | 8,065,000 |
| Interest expense | 793,000 | 1,547,000 | 2,221,000 | 2,830,000 |
| Net interest income | 1,130,000 | 2,579,000 | 3,968,000 | 5,235,000 |
| Noninterest income | 109,000 | 140,000 | 204,000 | -388,000 |
| Noninterest expense | 1,157,000 | 2,620,000 | 3,889,000 | 5,092,000 |
| Provision for loan losses | 175,000 | 525,000 | 725,000 | 1,225,000 |
| Pretax income | 157,000 | -56,000 | 251,000 | -679,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 157,000 | -56,000 | 251,000 | -679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,749,000 | 8,535,000 | 8,841,000 | 7,910,000 |
| Total capital | 10,489,000 | 10,242,000 | 10,453,000 | 9,431,000 |
| Risk-weighted assets | 134,421,000 | 131,476,000 | 125,102,000 | 117,283,000 |
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