Call reports 2015
STATE BANK OF COCHRAN — 2015
What STATE BANK OF COCHRAN reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 211,312,000 | 209,537,000 | 207,144,000 | 213,274,000 |
| Total loans | 119,799,000 | 122,693,000 | 120,414,000 | 119,313,000 |
| Allowance for loan losses | 6,750,000 | 6,697,000 | 6,482,000 | 5,969,000 |
| Securities available for sale | 14,114,000 | 16,103,000 | 14,105,000 | 16,255,000 |
| Securities held to maturity | 1,240,000 | 1,140,000 | 1,140,000 | 1,140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,434,000 | 179,562,000 | 176,171,000 | 181,758,000 |
| Interest-bearing deposits | 138,909,000 | 136,640,000 | 136,056,000 | 137,065,000 |
| Noninterest-bearing deposits | 43,525,000 | 42,922,000 | 40,115,000 | 44,693,000 |
| Equity capital | 28,176,000 | 29,174,000 | 30,039,000 | 30,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,200,000 | 4,344,000 | 6,460,000 | 8,624,000 |
| Interest expense | 169,000 | 337,000 | 505,000 | 671,000 |
| Net interest income | 2,031,000 | 4,007,000 | 5,955,000 | 7,953,000 |
| Noninterest income | 208,000 | 591,000 | 885,000 | 1,234,000 |
| Noninterest expense | 1,387,000 | 2,743,000 | 4,127,000 | 5,615,000 |
| Provision for loan losses | 150,000 | 150,000 | 150,000 | 150,000 |
| Pretax income | 702,000 | 1,705,000 | 2,563,000 | 3,381,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 702,000 | 1,705,000 | 2,563,000 | 3,381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,172,000 | 29,175,000 | 30,032,000 | 30,851,000 |
| Total capital | 29,592,000 | 30,608,000 | 31,474,000 | 32,292,000 |
| Risk-weighted assets | 108,343,000 | 109,341,000 | 110,349,000 | 110,768,000 |