Call reports 2011
STATE BANK OF COCHRAN — 2011
What STATE BANK OF COCHRAN reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 226,494,000 | 214,656,000 | 216,324,000 | 220,365,000 |
| Total loans | 154,814,000 | 158,390,000 | 163,556,000 | 158,393,000 |
| Allowance for loan losses | 6,092,000 | 6,058,000 | 5,707,000 | 4,345,000 |
| Securities available for sale | 24,803,000 | 19,793,000 | 23,299,000 | 24,460,000 |
| Securities held to maturity | 846,000 | 841,000 | 299,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,683,000 | 187,037,000 | 191,737,000 | 195,873,000 |
| Interest-bearing deposits | 153,842,000 | 151,431,000 | 149,795,000 | 153,781,000 |
| Noninterest-bearing deposits | 42,841,000 | 35,606,000 | 41,942,000 | 42,092,000 |
| Equity capital | 23,246,000 | 23,666,000 | 23,465,000 | 23,786,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,727,000 | 5,565,000 | 8,404,000 | 11,216,000 |
| Interest expense | 574,000 | 1,079,000 | 1,513,000 | 1,882,000 |
| Net interest income | 2,153,000 | 4,486,000 | 6,891,000 | 9,334,000 |
| Noninterest income | 94,000 | 10,000 | -183,000 | 18,000 |
| Noninterest expense | 1,300,000 | 2,641,000 | 4,070,000 | 5,612,000 |
| Provision for loan losses | 480,000 | 960,000 | 1,953,000 | 2,695,000 |
| Pretax income | 467,000 | 895,000 | 685,000 | 1,045,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 467,000 | 895,000 | 685,000 | 1,045,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,230,000 | 23,658,000 | 23,448,000 | 23,808,000 |
| Total capital | 25,049,000 | 25,494,000 | 25,329,000 | 25,624,000 |
| Risk-weighted assets | 141,217,000 | 142,684,000 | 146,628,000 | 142,759,000 |