Call reports 2019
STATE BANK OF COCHRAN — 2019
What STATE BANK OF COCHRAN reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 214,219,000 | 209,452,000 | 207,936,000 | 217,462,000 |
| Total loans | 130,053,000 | 130,278,000 | 130,644,000 | 125,254,000 |
| Allowance for loan losses | 5,906,000 | 5,947,000 | 5,996,000 | 5,731,000 |
| Securities available for sale | 23,147,000 | 23,172,000 | 23,172,000 | 23,189,000 |
| Securities held to maturity | 750,000 | 625,000 | 625,000 | 625,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,660,000 | 174,436,000 | 171,233,000 | 179,705,000 |
| Interest-bearing deposits | 123,630,000 | 119,368,000 | 117,149,000 | 120,688,000 |
| Noninterest-bearing deposits | 57,030,000 | 55,068,000 | 54,084,000 | 59,017,000 |
| Equity capital | 32,776,000 | 34,076,000 | 35,458,000 | 36,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,670,000 | 5,319,000 | 8,058,000 | 10,712,000 |
| Interest expense | 194,000 | 402,000 | 622,000 | 846,000 |
| Net interest income | 2,476,000 | 4,917,000 | 7,436,000 | 9,866,000 |
| Noninterest income | 156,000 | 433,000 | 821,000 | 1,115,000 |
| Noninterest expense | 1,412,000 | 2,856,000 | 4,320,000 | 5,806,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 0 |
| Pretax income | 1,175,000 | 2,404,000 | 3,802,000 | 5,175,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,175,000 | 2,404,000 | 3,802,000 | 5,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,782,000 | 34,011,000 | 35,409,000 | 36,782,000 |
| Total capital | 34,375,000 | 35,619,000 | 37,010,000 | 38,316,000 |
| Risk-weighted assets | 123,124,000 | 124,316,000 | 123,675,000 | 118,527,000 |