Call reports 2010
STATE BANK OF COCHRAN — 2010
What STATE BANK OF COCHRAN reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 225,489,000 | 220,957,000 | 212,290,000 | 224,130,000 |
| Total loans | 164,347,000 | 164,880,000 | 163,834,000 | 158,516,000 |
| Allowance for loan losses | 6,194,000 | 6,503,000 | 5,122,000 | 5,641,000 |
| Securities available for sale | 21,823,000 | 18,360,000 | 18,858,000 | 17,815,000 |
| Securities held to maturity | 1,167,000 | 1,162,000 | 1,157,000 | 851,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,612,000 | 184,772,000 | 182,762,000 | 194,662,000 |
| Interest-bearing deposits | 146,507,000 | 146,843,000 | 144,811,000 | 154,460,000 |
| Noninterest-bearing deposits | 43,105,000 | 37,929,000 | 37,951,000 | 40,202,000 |
| Equity capital | 22,165,000 | 22,492,000 | 22,767,000 | 22,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,822,000 | 5,666,000 | 8,523,000 | 11,435,000 |
| Interest expense | 804,000 | 1,585,000 | 2,317,000 | 2,965,000 |
| Net interest income | 2,018,000 | 4,081,000 | 6,206,000 | 8,470,000 |
| Noninterest income | 73,000 | 149,000 | 118,000 | -124,000 |
| Noninterest expense | 1,317,000 | 2,690,000 | 4,026,000 | 5,486,000 |
| Provision for loan losses | 503,000 | 982,000 | 1,463,000 | 1,963,000 |
| Pretax income | 271,000 | 558,000 | 835,000 | 897,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 271,000 | 558,000 | 835,000 | 897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,137,000 | 22,424,000 | 22,701,000 | 22,763,000 |
| Total capital | 24,101,000 | 24,370,000 | 24,635,000 | 24,621,000 |
| Risk-weighted assets | 152,886,000 | 151,096,000 | 151,568,000 | 144,854,000 |