Call reports 2005
CITIZENS BANK OF COCHRAN, THE — 2005
What CITIZENS BANK OF COCHRAN, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 77,653,000 | 78,857,000 | 78,686,000 | 76,857,000 |
| Total loans | 52,329,000 | 52,727,000 | 50,409,000 | 46,159,000 |
| Allowance for loan losses | 2,839,000 | 2,840,000 | 2,817,000 | 1,495,000 |
| Securities available for sale | 17,358,000 | 17,388,000 | 17,088,000 | 16,945,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,119,000 | 56,080,000 | 55,814,000 | 59,988,000 |
| Interest-bearing deposits | 51,983,000 | 49,957,000 | 49,811,000 | 51,823,000 |
| Noninterest-bearing deposits | 6,136,000 | 6,123,000 | 6,003,000 | 8,165,000 |
| Equity capital | 11,882,000 | 12,089,000 | 12,358,000 | 12,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,185,000 | 2,400,000 | 3,722,000 | 4,961,000 |
| Interest expense | 308,000 | 648,000 | 1,031,000 | 1,447,000 |
| Net interest income | 877,000 | 1,752,000 | 2,691,000 | 3,514,000 |
| Noninterest income | 107,000 | 243,000 | 380,000 | 488,000 |
| Noninterest expense | 1,097,000 | 1,762,000 | 2,572,000 | 3,324,000 |
| Provision for loan losses | 850,000 | 925,000 | 925,000 | 925,000 |
| Pretax income | -963,000 | -692,000 | -426,000 | -247,000 |
| Income tax | -394,000 | -307,000 | -347,000 | -163,000 |
| Net income | -569,000 | -385,000 | -79,000 | -84,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,102,000 | 8,286,000 | 9,258,000 | 9,476,000 |
| Total capital | 8,766,000 | 8,971,000 | 9,932,000 | 10,118,000 |
| Risk-weighted assets | 51,088,000 | 52,684,000 | 51,798,000 | 50,541,000 |