Call reports 2013
COGENT BANK — 2013
What COGENT BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 169,642,000 | 167,178,000 | 169,161,000 | 163,310,000 |
| Total loans | 103,220,000 | 103,374,000 | 100,712,000 | 97,345,000 |
| Allowance for loan losses | 4,294,000 | 4,371,000 | 4,021,000 | 3,949,000 |
| Securities available for sale | 51,184,000 | 48,950,000 | 50,591,000 | 49,072,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,267,000 | 140,801,000 | 143,466,000 | 140,849,000 |
| Interest-bearing deposits | 129,940,000 | 130,118,000 | 132,390,000 | 131,990,000 |
| Noninterest-bearing deposits | 11,327,000 | 10,683,000 | 11,076,000 | 8,859,000 |
| Equity capital | 7,952,000 | 5,958,000 | 5,222,000 | 2,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,693,000 | 3,316,000 | 4,974,000 | 6,574,000 |
| Interest expense | 545,000 | 1,081,000 | 1,621,000 | 2,143,000 |
| Net interest income | 1,148,000 | 2,235,000 | 3,353,000 | 4,431,000 |
| Noninterest income | 267,000 | 14,000 | 4,000 | -97,000 |
| Noninterest expense | 1,222,000 | 2,516,000 | 3,731,000 | 7,754,000 |
| Provision for loan losses | 50,000 | 425,000 | 475,000 | 515,000 |
| Pretax income | 366,000 | -469,000 | -626,000 | -3,712,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 366,000 | -469,000 | -626,000 | -3,712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,278,000 | 7,244,000 | 7,286,000 | 4,199,000 |
| Total capital | 9,775,000 | 8,707,000 | 8,649,000 | 5,499,000 |
| Risk-weighted assets | 116,930,000 | 114,066,000 | 112,474,000 | 106,831,000 |
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