Call reports 2009
STATE BANK OF COCHRAN — 2009
What STATE BANK OF COCHRAN reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 209,517,000 | 210,983,000 | 214,476,000 | 216,273,000 |
| Total loans | 165,860,000 | 168,275,000 | 168,903,000 | 166,696,000 |
| Allowance for loan losses | 4,855,000 | 4,465,000 | 5,515,000 | 6,037,000 |
| Securities available for sale | 21,206,000 | 19,473,000 | 18,494,000 | 17,350,000 |
| Securities held to maturity | 0 | 0 | 0 | 1,173,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,592,000 | 171,325,000 | 179,286,000 | 180,540,000 |
| Interest-bearing deposits | 137,234,000 | 137,074,000 | 139,596,000 | 144,738,000 |
| Noninterest-bearing deposits | 36,358,000 | 34,251,000 | 39,690,000 | 35,802,000 |
| Equity capital | 20,745,000 | 21,392,000 | 21,282,000 | 21,960,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,020,000 | 6,084,000 | 9,152,000 | 12,110,000 |
| Interest expense | 979,000 | 1,942,000 | 2,867,000 | 3,725,000 |
| Net interest income | 2,041,000 | 4,142,000 | 6,285,000 | 8,385,000 |
| Noninterest income | 133,000 | 365,000 | 616,000 | 770,000 |
| Noninterest expense | 1,255,000 | 2,533,000 | 3,915,000 | 5,359,000 |
| Provision for loan losses | 150,000 | 500,000 | 1,650,000 | 3,220,000 |
| Pretax income | 772,000 | 1,481,000 | 1,348,000 | 588,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 772,000 | 1,481,000 | 1,348,000 | 588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,551,000 | 21,259,000 | 21,126,000 | 21,866,000 |
| Total capital | 22,498,000 | 23,235,000 | 23,081,000 | 23,818,000 |
| Risk-weighted assets | 152,878,000 | 155,587,000 | 152,867,000 | 152,086,000 |