Call reports 2001
CITIZENS BANK OF COCHRAN, THE — 2001
What CITIZENS BANK OF COCHRAN, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 72,065,000 | 70,299,000 | 74,493,000 | 74,421,000 |
| Total loans | 61,193,000 | 58,944,000 | 63,607,000 | 63,595,000 |
| Allowance for loan losses | 704,000 | 744,000 | 781,000 | 827,000 |
| Securities available for sale | 7,489,000 | 8,363,000 | 8,405,000 | 8,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,133,000 | 63,239,000 | 62,545,000 | 65,490,000 |
| Interest-bearing deposits | 57,531,000 | 57,108,000 | 57,323,000 | 60,486,000 |
| Noninterest-bearing deposits | 6,602,000 | 6,131,000 | 5,222,000 | 5,004,000 |
| Equity capital | 5,436,000 | 5,563,000 | 5,781,000 | 5,900,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,674,000 | 3,359,000 | 5,042,000 | 6,733,000 |
| Interest expense | 793,000 | 1,550,000 | 2,262,000 | 2,884,000 |
| Net interest income | 881,000 | 1,809,000 | 2,780,000 | 3,849,000 |
| Noninterest income | 121,000 | 242,000 | 356,000 | 468,000 |
| Noninterest expense | 386,000 | 766,000 | 1,167,000 | 1,564,000 |
| Provision for loan losses | 66,000 | 169,000 | 267,000 | 443,000 |
| Pretax income | 550,000 | 1,116,000 | 1,702,000 | 2,310,000 |
| Income tax | 206,000 | 418,000 | 637,000 | 865,000 |
| Net income | 344,000 | 698,000 | 1,065,000 | 1,445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,372,000 | 5,488,000 | 5,615,000 | 5,789,000 |
| Total capital | 6,008,000 | 6,122,000 | 6,259,000 | 6,430,000 |
| Risk-weighted assets | 50,814,000 | 50,690,000 | 51,442,000 | 51,154,000 |