Call reports 2002
CITIZENS BANK OF COCHRAN, THE — 2002
What CITIZENS BANK OF COCHRAN, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 74,867,000 | 77,178,000 | 72,567,000 | 73,085,000 |
| Total loans | 63,226,000 | 65,505,000 | 60,653,000 | 60,020,000 |
| Allowance for loan losses | 820,000 | 808,000 | 821,000 | 743,000 |
| Securities available for sale | 7,501,000 | 9,343,000 | 9,303,000 | 8,308,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,328,000 | 65,226,000 | 64,028,000 | 66,407,000 |
| Interest-bearing deposits | 60,574,000 | 59,628,000 | 58,350,000 | 61,068,000 |
| Noninterest-bearing deposits | 5,754,000 | 5,598,000 | 5,678,000 | 5,339,000 |
| Equity capital | 5,959,000 | 6,089,000 | 6,122,000 | 6,149,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,580,000 | 3,167,000 | 4,742,000 | 6,165,000 |
| Interest expense | 547,000 | 1,064,000 | 1,550,000 | 1,975,000 |
| Net interest income | 1,033,000 | 2,103,000 | 3,192,000 | 4,190,000 |
| Noninterest income | 117,000 | 224,000 | 328,000 | 429,000 |
| Noninterest expense | 481,000 | 935,000 | 1,390,000 | 1,810,000 |
| Provision for loan losses | 75,000 | 172,000 | 316,000 | 424,000 |
| Pretax income | 594,000 | 1,220,000 | 1,814,000 | 2,385,000 |
| Income tax | 222,000 | 450,000 | 665,000 | 776,000 |
| Net income | 372,000 | 770,000 | 1,149,000 | 1,609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,923,000 | 5,963,000 | 5,984,000 | 6,017,000 |
| Total capital | 6,567,000 | 6,630,000 | 6,612,000 | 6,638,000 |
| Risk-weighted assets | 51,504,000 | 53,258,000 | 50,262,000 | 49,533,000 |