Call reports 2013
STATE BANK OF COCHRAN — 2013
What STATE BANK OF COCHRAN reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 224,211,000 | 219,755,000 | 208,421,000 | 205,931,000 |
| Total loans | 141,507,000 | 139,552,000 | 141,543,000 | 139,476,000 |
| Allowance for loan losses | 6,782,000 | 6,952,000 | 7,061,000 | 6,263,000 |
| Securities available for sale | 27,799,000 | 22,273,000 | 19,030,000 | 15,029,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,629,000 | 190,757,000 | 178,509,000 | 176,967,000 |
| Interest-bearing deposits | 148,319,000 | 156,690,000 | 145,933,000 | 142,496,000 |
| Noninterest-bearing deposits | 48,310,000 | 34,067,000 | 32,576,000 | 34,471,000 |
| Equity capital | 26,770,000 | 28,142,000 | 28,987,000 | 28,320,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,519,000 | 5,107,000 | 7,538,000 | 9,983,000 |
| Interest expense | 225,000 | 439,000 | 648,000 | 843,000 |
| Net interest income | 2,294,000 | 4,668,000 | 6,890,000 | 9,140,000 |
| Noninterest income | 262,000 | 748,000 | 940,000 | 1,186,000 |
| Noninterest expense | 1,278,000 | 2,569,000 | 3,882,000 | 5,368,000 |
| Provision for loan losses | 374,000 | 555,000 | 735,000 | 915,000 |
| Pretax income | 906,000 | 2,294,000 | 3,215,000 | 4,045,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 906,000 | 2,294,000 | 3,215,000 | 4,045,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,759,000 | 28,147,000 | 28,979,000 | 28,309,000 |
| Total capital | 28,384,000 | 29,753,000 | 30,594,000 | 29,903,000 |
| Risk-weighted assets | 124,848,000 | 123,112,000 | 123,714,000 | 122,844,000 |