Call reports 2008
STATE BANK OF COCHRAN — 2008
What STATE BANK OF COCHRAN reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 190,959,000 | 186,290,000 | 206,298,000 | 205,348,000 |
| Total loans | 160,108,000 | 161,528,000 | 167,683,000 | 164,768,000 |
| Allowance for loan losses | 6,148,000 | 5,808,000 | 5,403,000 | 5,850,000 |
| Securities available for sale | 18,382,000 | 18,426,000 | 18,421,000 | 21,367,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,530,000 | 165,705,000 | 167,562,000 | 170,031,000 |
| Interest-bearing deposits | 133,991,000 | 130,859,000 | 130,280,000 | 135,837,000 |
| Noninterest-bearing deposits | 36,539,000 | 34,846,000 | 37,282,000 | 34,194,000 |
| Equity capital | 18,603,000 | 18,935,000 | 20,221,000 | 19,983,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,738,000 | 7,033,000 | 10,287,000 | 13,415,000 |
| Interest expense | 1,365,000 | 2,548,000 | 3,620,000 | 4,731,000 |
| Net interest income | 2,373,000 | 4,485,000 | 6,667,000 | 8,684,000 |
| Noninterest income | 273,000 | 489,000 | 838,000 | 1,080,000 |
| Noninterest expense | 1,186,000 | 2,475,000 | 3,737,000 | 5,085,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,200,000 |
| Pretax income | 1,460,000 | 2,499,000 | 3,768,000 | 3,479,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,460,000 | 2,499,000 | 3,768,000 | 3,479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,509,000 | 19,049,000 | 20,317,000 | 19,778,000 |
| Total capital | 20,358,000 | 20,920,000 | 22,295,000 | 21,704,000 |
| Risk-weighted assets | 143,656,000 | 145,770,000 | 154,836,000 | 150,130,000 |