Call reports 2014
STATE BANK OF COCHRAN — 2014
What STATE BANK OF COCHRAN reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 213,116,000 | 207,493,000 | 202,874,000 | 211,140,000 |
| Total loans | 137,832,000 | 134,458,000 | 130,323,000 | 124,507,000 |
| Allowance for loan losses | 5,949,000 | 6,258,000 | 6,466,000 | 6,488,000 |
| Securities available for sale | 13,790,000 | 12,774,000 | 12,754,000 | 11,606,000 |
| Securities held to maturity | 0 | 0 | 0 | 1,240,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,449,000 | 176,850,000 | 173,275,000 | 181,050,000 |
| Interest-bearing deposits | 144,505,000 | 141,333,000 | 139,946,000 | 142,123,000 |
| Noninterest-bearing deposits | 38,944,000 | 35,517,000 | 33,329,000 | 38,927,000 |
| Equity capital | 28,991,000 | 29,841,000 | 28,665,000 | 29,475,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,311,000 | 4,693,000 | 7,011,000 | 9,427,000 |
| Interest expense | 187,000 | 374,000 | 562,000 | 740,000 |
| Net interest income | 2,124,000 | 4,319,000 | 6,449,000 | 8,687,000 |
| Noninterest income | 166,000 | 400,000 | 754,000 | 1,111,000 |
| Noninterest expense | 1,325,000 | 2,609,000 | 3,969,000 | 5,461,000 |
| Provision for loan losses | 290,000 | 580,000 | 870,000 | 1,160,000 |
| Pretax income | 676,000 | 1,531,000 | 2,364,000 | 3,177,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 676,000 | 1,531,000 | 2,364,000 | 3,177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,985,000 | 29,840,000 | 28,673,000 | 29,486,000 |
| Total capital | 30,809,000 | 31,385,000 | 30,128,000 | 30,941,000 |
| Risk-weighted assets | 141,804,000 | 118,869,000 | 111,417,000 | 111,344,000 |