Call reports 2006
CITIZENS BANK OF COCHRAN, THE — 2006
What CITIZENS BANK OF COCHRAN, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 77,609,000 | 76,831,000 | 74,084,000 | 73,847,000 |
| Total loans | 44,508,000 | 41,901,000 | 41,534,000 | 42,174,000 |
| Allowance for loan losses | 1,533,000 | 1,575,000 | 1,224,000 | 1,502,000 |
| Securities available for sale | 21,883,000 | 21,755,000 | 22,902,000 | 17,997,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,746,000 | 59,795,000 | 56,898,000 | 56,645,000 |
| Interest-bearing deposits | 54,005,000 | 52,343,000 | 49,655,000 | 47,914,000 |
| Noninterest-bearing deposits | 6,741,000 | 7,452,000 | 7,243,000 | 8,731,000 |
| Equity capital | 12,316,000 | 12,317,000 | 12,468,000 | 12,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,199,000 | 2,446,000 | 3,663,000 | 4,895,000 |
| Interest expense | 470,000 | 959,000 | 1,446,000 | 1,951,000 |
| Net interest income | 729,000 | 1,487,000 | 2,217,000 | 2,944,000 |
| Noninterest income | 92,000 | 169,000 | 287,000 | 441,000 |
| Noninterest expense | 742,000 | 1,477,000 | 2,230,000 | 3,037,000 |
| Provision for loan losses | 0 | 0 | 0 | 244,000 |
| Pretax income | 79,000 | 179,000 | 274,000 | 104,000 |
| Income tax | -2,000 | 22,000 | 60,000 | -41,000 |
| Net income | 81,000 | 157,000 | 214,000 | 145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,741,000 | 10,000,000 | 10,242,000 | 10,357,000 |
| Total capital | 10,374,000 | 10,630,000 | 10,858,000 | 10,985,000 |
| Risk-weighted assets | 49,758,000 | 49,484,000 | 48,695,000 | 49,345,000 |