Call reports 2002
STATE BANK OF COCHRAN — 2002
What STATE BANK OF COCHRAN reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 144,082,000 | 148,341,000 | 153,950,000 | 158,934,000 |
| Total loans | 127,919,000 | 133,420,000 | 135,194,000 | 132,567,000 |
| Allowance for loan losses | 3,409,000 | 3,648,000 | 3,797,000 | 3,495,000 |
| Securities available for sale | 8,460,000 | 8,433,000 | 8,367,000 | 8,202,000 |
| Securities held to maturity | 698,000 | 698,000 | 701,000 | 600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,960,000 | 127,118,000 | 132,397,000 | 136,598,000 |
| Interest-bearing deposits | 105,581,000 | 109,078,000 | 113,346,000 | 117,933,000 |
| Noninterest-bearing deposits | 19,379,000 | 18,040,000 | 19,051,000 | 18,665,000 |
| Equity capital | 17,116,000 | 17,704,000 | 18,048,000 | 17,976,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,756,000 | 5,481,000 | 8,267,000 | 10,826,000 |
| Interest expense | 974,000 | 1,876,000 | 2,782,000 | 3,693,000 |
| Net interest income | 1,782,000 | 3,605,000 | 5,485,000 | 7,133,000 |
| Noninterest income | 293,000 | 601,000 | 921,000 | 1,236,000 |
| Noninterest expense | 934,000 | 1,857,000 | 3,125,000 | 4,531,000 |
| Provision for loan losses | 213,000 | 583,000 | 944,000 | 1,304,000 |
| Pretax income | 928,000 | 1,766,000 | 2,337,000 | 2,534,000 |
| Income tax | 369,000 | 699,000 | 950,000 | 1,069,000 |
| Net income | 559,000 | 1,067,000 | 1,387,000 | 1,465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,968,000 | 16,556,000 | 17,152,000 | 17,307,000 |
| Total capital | 17,430,000 | 18,075,000 | 18,699,000 | 18,840,000 |
| Risk-weighted assets | 115,025,000 | 119,358,000 | 121,544,000 | 120,703,000 |