Call reports 2006
STATE BANK OF COCHRAN — 2006
What STATE BANK OF COCHRAN reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 172,851,000 | 169,204,000 | 165,962,000 | 173,126,000 |
| Total loans | 135,268,000 | 138,509,000 | 140,403,000 | 142,992,000 |
| Allowance for loan losses | 5,598,000 | 5,757,000 | 5,781,000 | 5,442,000 |
| Securities available for sale | 14,693,000 | 15,194,000 | 14,712,000 | 14,730,000 |
| Securities held to maturity | 208,000 | 208,000 | 110,000 | 110,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,570,000 | 147,267,000 | 142,811,000 | 148,942,000 |
| Interest-bearing deposits | 120,447,000 | 118,076,000 | 115,321,000 | 120,245,000 |
| Noninterest-bearing deposits | 31,123,000 | 29,191,000 | 27,490,000 | 28,697,000 |
| Equity capital | 19,489,000 | 20,392,000 | 21,435,000 | 22,450,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,236,000 | 6,757,000 | 10,283,000 | 13,987,000 |
| Interest expense | 906,000 | 1,914,000 | 3,002,000 | 4,157,000 |
| Net interest income | 2,330,000 | 4,843,000 | 7,281,000 | 9,830,000 |
| Noninterest income | 407,000 | 702,000 | 1,139,000 | 1,435,000 |
| Noninterest expense | 1,071,000 | 2,186,000 | 3,326,000 | 4,602,000 |
| Provision for loan losses | 207,000 | 335,000 | 393,000 | 393,000 |
| Pretax income | 1,459,000 | 3,024,000 | 4,708,000 | 6,277,000 |
| Income tax | 601,000 | 1,266,000 | 1,922,000 | 2,489,000 |
| Net income | 858,000 | 1,758,000 | 2,786,000 | 3,788,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,515,000 | 20,454,000 | 21,442,000 | 22,443,000 |
| Total capital | 21,070,000 | 22,025,000 | 23,048,000 | 24,091,000 |
| Risk-weighted assets | 120,343,000 | 121,502,000 | 124,308,000 | 128,022,000 |