Call reports 2014
COGENT BANK — 2014
What COGENT BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 166,680,000 | 167,648,000 | 163,662,000 | 154,361,000 |
| Total loans | 92,862,000 | 89,926,000 | 84,646,000 | 86,207,000 |
| Allowance for loan losses | 3,296,000 | 3,015,000 | 2,908,000 | 2,909,000 |
| Securities available for sale | 58,937,000 | 61,183,000 | 59,365,000 | 52,511,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,258,000 | 144,871,000 | 140,910,000 | 130,921,000 |
| Interest-bearing deposits | 135,085,000 | 135,170,000 | 131,821,000 | 121,802,000 |
| Noninterest-bearing deposits | 9,174,000 | 9,701,000 | 9,089,000 | 9,119,000 |
| Equity capital | 2,098,000 | 2,509,000 | 2,510,000 | 3,206,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,515,000 | 3,037,000 | 4,543,000 | 5,909,000 |
| Interest expense | 495,000 | 989,000 | 1,465,000 | 1,857,000 |
| Net interest income | 1,020,000 | 2,048,000 | 3,078,000 | 4,052,000 |
| Noninterest income | 15,000 | 27,000 | 74,000 | 373,000 |
| Noninterest expense | 1,359,000 | 2,682,000 | 3,937,000 | 5,164,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -310,000 | -593,000 | -771,000 | -605,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -310,000 | -593,000 | -771,000 | -605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,889,000 | 3,607,000 | 3,478,000 | 3,648,000 |
| Total capital | 5,221,000 | 4,921,000 | 4,742,000 | 4,887,000 |
| Risk-weighted assets | 104,548,000 | 103,374,000 | 99,431,000 | 97,383,000 |
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