Call reports 2012
STATE BANK OF COCHRAN — 2012
What STATE BANK OF COCHRAN reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 224,936,000 | 220,267,000 | 219,870,000 | 220,218,000 |
| Total loans | 154,463,000 | 153,621,000 | 153,050,000 | 143,924,000 |
| Allowance for loan losses | 5,548,000 | 5,954,000 | 6,190,000 | 6,427,000 |
| Securities available for sale | 33,460,000 | 23,476,000 | 25,975,000 | 23,489,000 |
| Securities held to maturity | 300,000 | 300,000 | 300,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,881,000 | 194,913,000 | 193,729,000 | 193,738,000 |
| Interest-bearing deposits | 153,509,000 | 151,551,000 | 148,066,000 | 148,211,000 |
| Noninterest-bearing deposits | 46,372,000 | 43,362,000 | 45,663,000 | 45,527,000 |
| Equity capital | 24,380,000 | 24,571,000 | 25,231,000 | 25,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,961,000 | 5,684,000 | 8,469,000 | 11,171,000 |
| Interest expense | 339,000 | 647,000 | 939,000 | 1,196,000 |
| Net interest income | 2,622,000 | 5,037,000 | 7,530,000 | 9,975,000 |
| Noninterest income | 586,000 | 224,000 | 288,000 | 350,000 |
| Noninterest expense | 1,413,000 | 2,804,000 | 4,197,000 | 5,681,000 |
| Provision for loan losses | 1,237,000 | 1,699,000 | 2,211,000 | 2,599,000 |
| Pretax income | 558,000 | 758,000 | 1,410,000 | 2,045,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 558,000 | 758,000 | 1,410,000 | 2,045,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,366,000 | 24,566,000 | 25,218,000 | 25,853,000 |
| Total capital | 26,138,000 | 26,329,000 | 26,967,000 | 27,493,000 |
| Risk-weighted assets | 138,011,000 | 136,864,000 | 135,466,000 | 126,383,000 |