Call reports 2007
STATE BANK OF COCHRAN — 2007
What STATE BANK OF COCHRAN reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 183,204,000 | 184,276,000 | 189,299,000 | 189,461,000 |
| Total loans | 150,022,000 | 149,587,000 | 153,869,000 | 158,478,000 |
| Allowance for loan losses | 5,509,000 | 5,303,000 | 5,254,000 | 6,030,000 |
| Securities available for sale | 18,719,000 | 18,082,000 | 19,105,000 | 18,612,000 |
| Securities held to maturity | 110,000 | 110,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,337,000 | 159,831,000 | 163,398,000 | 170,292,000 |
| Interest-bearing deposits | 125,491,000 | 128,739,000 | 130,592,000 | 137,821,000 |
| Noninterest-bearing deposits | 33,846,000 | 31,092,000 | 32,806,000 | 32,471,000 |
| Equity capital | 21,610,000 | 22,654,000 | 23,864,000 | 17,084,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,827,000 | 7,854,000 | 11,971,000 | 16,016,000 |
| Interest expense | 1,257,000 | 2,614,000 | 4,042,000 | 5,498,000 |
| Net interest income | 2,570,000 | 5,240,000 | 7,929,000 | 10,518,000 |
| Noninterest income | 322,000 | 621,000 | 949,000 | 1,142,000 |
| Noninterest expense | 1,140,000 | 2,320,000 | 3,484,000 | 4,754,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,159,000 |
| Pretax income | 1,752,000 | 3,541,000 | 5,389,000 | 5,742,000 |
| Income tax | 700,000 | 1,428,000 | 2,136,000 | 2,782,000 |
| Net income | 1,052,000 | 2,113,000 | 3,253,000 | 2,960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,603,000 | 22,657,000 | 23,842,000 | 17,049,000 |
| Total capital | 23,341,000 | 24,388,000 | 25,627,000 | 18,887,000 |
| Risk-weighted assets | 135,264,000 | 134,921,000 | 139,297,000 | 142,865,000 |