Call reports 2003
STATE BANK OF COCHRAN — 2003
What STATE BANK OF COCHRAN reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 165,556,000 | 159,649,000 | 156,981,000 | 159,158,000 |
| Total loans | 132,656,000 | 135,137,000 | 134,464,000 | 133,727,000 |
| Allowance for loan losses | 3,843,000 | 4,102,000 | 4,129,000 | 4,306,000 |
| Securities available for sale | 8,072,000 | 7,975,000 | 7,921,000 | 7,796,000 |
| Securities held to maturity | 600,000 | 600,000 | 510,000 | 510,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,967,000 | 136,913,000 | 136,137,000 | 138,443,000 |
| Interest-bearing deposits | 120,977,000 | 116,270,000 | 114,540,000 | 117,169,000 |
| Noninterest-bearing deposits | 21,990,000 | 20,643,000 | 21,597,000 | 21,274,000 |
| Equity capital | 18,396,000 | 18,735,000 | 16,813,000 | 16,829,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,596,000 | 5,195,000 | 7,747,000 | 10,319,000 |
| Interest expense | 844,000 | 1,657,000 | 2,390,000 | 3,067,000 |
| Net interest income | 1,752,000 | 3,538,000 | 5,357,000 | 7,252,000 |
| Noninterest income | 324,000 | 638,000 | 960,000 | 1,263,000 |
| Noninterest expense | 1,028,000 | 2,135,000 | 3,199,000 | 4,869,000 |
| Provision for loan losses | 370,000 | 740,000 | 1,110,000 | 1,503,000 |
| Pretax income | 678,000 | 1,301,000 | 2,008,000 | 2,143,000 |
| Income tax | 249,000 | 538,000 | 783,000 | 869,000 |
| Net income | 429,000 | 763,000 | 1,225,000 | 1,274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,807,000 | 18,224,000 | 16,376,000 | 16,786,000 |
| Total capital | 19,346,000 | 19,765,000 | 17,919,000 | 18,312,000 |
| Risk-weighted assets | 120,813,000 | 120,734,000 | 119,633,000 | 119,289,000 |