Call reports 2004
CITIZENS BANK OF COCHRAN, THE — 2004
What CITIZENS BANK OF COCHRAN, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 83,512,000 | 81,315,000 | 80,864,000 | 76,764,000 |
| Total loans | 54,737,000 | 53,590,000 | 52,655,000 | 50,593,000 |
| Allowance for loan losses | 3,097,000 | 3,767,000 | 3,460,000 | 2,646,000 |
| Securities available for sale | 9,467,000 | 10,311,000 | 17,623,000 | 17,546,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,874,000 | 61,819,000 | 58,671,000 | 56,554,000 |
| Interest-bearing deposits | 58,177,000 | 55,102,000 | 52,130,000 | 50,803,000 |
| Noninterest-bearing deposits | 5,697,000 | 6,717,000 | 6,541,000 | 5,751,000 |
| Equity capital | 14,951,000 | 14,551,000 | 14,766,000 | 12,558,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,197,000 | 2,285,000 | 3,415,000 | 4,547,000 |
| Interest expense | 295,000 | 592,000 | 860,000 | 1,141,000 |
| Net interest income | 902,000 | 1,693,000 | 2,555,000 | 3,406,000 |
| Noninterest income | 97,000 | 183,000 | 272,000 | 357,000 |
| Noninterest expense | 782,000 | 1,580,000 | 2,380,000 | 3,286,000 |
| Provision for loan losses | 2,050,000 | 2,500,000 | 2,650,000 | 2,875,000 |
| Pretax income | -1,834,000 | -2,204,000 | -2,208,000 | -2,497,000 |
| Income tax | -723,000 | -895,000 | -888,000 | -1,009,000 |
| Net income | -1,111,000 | -1,309,000 | -1,320,000 | -1,488,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,945,000 | 7,780,000 | 7,769,000 | 8,672,000 |
| Total capital | 8,596,000 | 8,413,000 | 8,396,000 | 9,306,000 |
| Risk-weighted assets | 49,628,000 | 47,438,000 | 47,353,000 | 48,696,000 |