Call reports 2017
COGENT BANK — 2017
What COGENT BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 96,680,000 | 92,666,000 | 90,061,000 | 86,943,000 |
| Total loans | 61,210,000 | 59,011,000 | 56,934,000 | 54,948,000 |
| Allowance for loan losses | 2,884,000 | 2,904,000 | 2,874,000 | 2,882,000 |
| Securities available for sale | 30,263,000 | 29,767,000 | 28,561,000 | 27,268,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,086,000 | 84,550,000 | 79,585,000 | 80,774,000 |
| Interest-bearing deposits | 82,462,000 | 76,711,000 | 71,818,000 | 71,628,000 |
| Noninterest-bearing deposits | 7,623,000 | 7,839,000 | 7,767,000 | 9,146,000 |
| Equity capital | 2,387,000 | 2,439,000 | 2,275,000 | 2,029,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 903,000 | 1,802,000 | 2,665,000 | 3,505,000 |
| Interest expense | 196,000 | 376,000 | 552,000 | 731,000 |
| Net interest income | 707,000 | 1,426,000 | 2,113,000 | 2,774,000 |
| Noninterest income | 661,000 | 557,000 | 577,000 | 663,000 |
| Noninterest expense | 875,000 | 1,735,000 | 2,584,000 | 3,364,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 481,000 | 236,000 | 94,000 | 61,000 |
| Income tax | 0 | 0 | 0 | 91,000 |
| Net income | 481,000 | 236,000 | 94,000 | -30,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,967,000 | 2,724,000 | 2,581,000 | 2,548,000 |
| Total capital | 3,687,000 | 3,417,000 | 3,249,000 | 3,195,000 |
| Risk-weighted assets | 55,462,000 | 53,192,000 | 51,193,000 | 49,498,000 |