Call reports 2004
STATE BANK OF COCHRAN — 2004
What STATE BANK OF COCHRAN reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 155,542,000 | 154,169,000 | 152,366,000 | 155,725,000 |
| Total loans | 133,317,000 | 134,375,000 | 136,328,000 | 128,072,000 |
| Allowance for loan losses | 4,534,000 | 4,519,000 | 4,960,000 | 4,390,000 |
| Securities available for sale | 7,727,000 | 12,191,000 | 9,894,000 | 11,512,000 |
| Securities held to maturity | 510,000 | 510,000 | 410,000 | 410,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,189,000 | 133,478,000 | 131,053,000 | 133,858,000 |
| Interest-bearing deposits | 112,433,000 | 109,574,000 | 108,130,000 | 110,830,000 |
| Noninterest-bearing deposits | 21,756,000 | 23,904,000 | 22,923,000 | 23,028,000 |
| Equity capital | 17,396,000 | 17,171,000 | 17,753,000 | 18,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,479,000 | 4,919,000 | 7,422,000 | 10,579,000 |
| Interest expense | 589,000 | 1,137,000 | 1,682,000 | 2,250,000 |
| Net interest income | 1,890,000 | 3,782,000 | 5,740,000 | 8,329,000 |
| Noninterest income | 358,000 | 690,000 | 1,050,000 | 1,382,000 |
| Noninterest expense | 955,000 | 1,971,000 | 3,005,000 | 4,322,000 |
| Provision for loan losses | 370,000 | 740,000 | 1,118,000 | 1,887,000 |
| Pretax income | 923,000 | 1,761,000 | 2,667,000 | 3,502,000 |
| Income tax | 333,000 | 693,000 | 1,045,000 | 1,177,000 |
| Net income | 590,000 | 1,068,000 | 1,622,000 | 2,325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,347,000 | 17,182,000 | 17,739,000 | 18,441,000 |
| Total capital | 18,865,000 | 18,698,000 | 19,265,000 | 19,917,000 |
| Risk-weighted assets | 118,395,000 | 118,304,000 | 118,624,000 | 115,172,000 |