Call reports 2001
STATE BANK OF COCHRAN — 2001
What STATE BANK OF COCHRAN reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 132,381,000 | 136,881,000 | 138,421,000 | 142,795,000 |
| Total loans | 104,231,000 | 107,312,000 | 114,343,000 | 121,980,000 |
| Allowance for loan losses | 2,994,000 | 3,192,000 | 3,290,000 | 3,364,000 |
| Securities available for sale | 7,656,000 | 8,510,000 | 9,284,000 | 8,654,000 |
| Securities held to maturity | 198,000 | 198,000 | 199,000 | 198,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,626,000 | 118,695,000 | 119,890,000 | 124,760,000 |
| Interest-bearing deposits | 92,863,000 | 101,528,000 | 102,151,000 | 104,527,000 |
| Noninterest-bearing deposits | 21,763,000 | 17,167,000 | 17,739,000 | 20,233,000 |
| Equity capital | 16,113,000 | 16,461,000 | 16,812,000 | 16,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,643,000 | 5,612,000 | 8,394,000 | 11,325,000 |
| Interest expense | 1,113,000 | 2,440,000 | 3,717,000 | 4,870,000 |
| Net interest income | 1,530,000 | 3,172,000 | 4,677,000 | 6,455,000 |
| Noninterest income | 236,000 | 506,000 | 768,000 | 1,059,000 |
| Noninterest expense | 756,000 | 1,767,000 | 2,652,000 | 4,285,000 |
| Provision for loan losses | 175,000 | 385,000 | 594,000 | 904,000 |
| Pretax income | 835,000 | 1,526,000 | 2,199,000 | 2,325,000 |
| Income tax | 285,000 | 626,000 | 977,000 | 1,110,000 |
| Net income | 550,000 | 900,000 | 1,222,000 | 1,215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,915,000 | 14,352,000 | 14,759,000 | 15,324,000 |
| Total capital | 15,152,000 | 15,630,000 | 16,086,000 | 16,724,000 |
| Risk-weighted assets | 97,243,000 | 100,329,000 | 104,168,000 | 110,015,000 |