Call reports 2015
COGENT BANK — 2015
What COGENT BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 151,336,000 | 149,716,000 | 152,606,000 | 151,540,000 |
| Total loans | 90,389,000 | 88,999,000 | 85,045,000 | 77,963,000 |
| Allowance for loan losses | 2,920,000 | 2,965,000 | 2,973,000 | 2,965,000 |
| Securities available for sale | 39,243,000 | 47,912,000 | 50,967,000 | 63,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,447,000 | 129,797,000 | 132,260,000 | 131,751,000 |
| Interest-bearing deposits | 117,814,000 | 121,637,000 | 123,004,000 | 124,098,000 |
| Noninterest-bearing deposits | 9,633,000 | 8,160,000 | 9,257,000 | 7,653,000 |
| Equity capital | 3,367,000 | 2,415,000 | 2,821,000 | 2,513,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,336,000 | 2,650,000 | 3,999,000 | 5,206,000 |
| Interest expense | 362,000 | 723,000 | 1,097,000 | 1,469,000 |
| Net interest income | 974,000 | 1,927,000 | 2,902,000 | 3,737,000 |
| Noninterest income | 20,000 | -288,000 | -233,000 | -175,000 |
| Noninterest expense | 1,058,000 | 1,999,000 | 3,006,000 | 4,014,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -30,000 | -326,000 | -294,000 | -409,000 |
| Income tax | 13,000 | 13,000 | 13,000 | 13,000 |
| Net income | -43,000 | -339,000 | -307,000 | -422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,621,000 | 3,324,000 | 3,356,000 | 3,241,000 |
| Total capital | 5,128,000 | 4,825,000 | 4,775,000 | 4,605,000 |
| Risk-weighted assets | 119,221,000 | 118,534,000 | 111,979,000 | 107,545,000 |