Call reports 2005
STATE BANK OF COCHRAN — 2005
What STATE BANK OF COCHRAN reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 159,140,000 | 154,773,000 | 160,696,000 | 167,086,000 |
| Total loans | 126,357,000 | 134,238,000 | 138,588,000 | 134,346,000 |
| Allowance for loan losses | 4,822,000 | 4,989,000 | 5,231,000 | 5,254,000 |
| Securities available for sale | 10,430,000 | 12,954,000 | 13,744,000 | 13,715,000 |
| Securities held to maturity | 410,000 | 410,000 | 310,000 | 310,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,062,000 | 135,402,000 | 140,368,000 | 145,697,000 |
| Interest-bearing deposits | 112,052,000 | 110,761,000 | 112,735,000 | 116,249,000 |
| Noninterest-bearing deposits | 26,010,000 | 24,641,000 | 27,633,000 | 29,448,000 |
| Equity capital | 17,642,000 | 18,194,000 | 18,976,000 | 20,002,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,593,000 | 5,290,000 | 8,246,000 | 11,562,000 |
| Interest expense | 584,000 | 1,236,000 | 1,951,000 | 2,752,000 |
| Net interest income | 2,009,000 | 4,054,000 | 6,295,000 | 8,810,000 |
| Noninterest income | 337,000 | 388,000 | 681,000 | 1,008,000 |
| Noninterest expense | 1,272,000 | 2,183,000 | 3,237,000 | 4,485,000 |
| Provision for loan losses | 369,000 | 687,000 | 906,000 | 1,124,000 |
| Pretax income | 705,000 | 1,571,000 | 2,832,000 | 4,208,000 |
| Income tax | 273,000 | 615,000 | 1,099,000 | 1,451,000 |
| Net income | 432,000 | 956,000 | 1,733,000 | 2,757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,710,000 | 18,234,000 | 19,009,000 | 20,031,000 |
| Total capital | 19,161,000 | 19,737,000 | 20,553,000 | 21,579,000 |
| Risk-weighted assets | 112,687,000 | 116,744,000 | 119,811,000 | 120,117,000 |