Call reports 2007
CITIZENS BANK OF COCHRAN, THE — 2007
What CITIZENS BANK OF COCHRAN, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 74,050,000 | 70,637,000 | 69,892,000 | 66,162,000 |
| Total loans | 42,154,000 | 39,328,000 | 35,919,000 | 34,712,000 |
| Allowance for loan losses | 1,654,000 | 1,677,000 | 1,677,000 | 1,677,000 |
| Securities available for sale | 21,554,000 | 21,360,000 | 21,411,000 | 24,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,847,000 | 57,337,000 | 56,369,000 | 52,826,000 |
| Interest-bearing deposits | 50,351,000 | 49,368,000 | 48,692,000 | 46,206,000 |
| Noninterest-bearing deposits | 6,496,000 | 7,969,000 | 7,677,000 | 6,620,000 |
| Equity capital | 12,597,000 | 12,593,000 | 12,746,000 | 12,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,257,000 | 2,501,000 | 3,653,000 | 4,738,000 |
| Interest expense | 496,000 | 948,000 | 1,413,000 | 1,853,000 |
| Net interest income | 761,000 | 1,553,000 | 2,240,000 | 2,885,000 |
| Noninterest income | 123,000 | 208,000 | 292,000 | 400,000 |
| Noninterest expense | 776,000 | 1,567,000 | 2,391,000 | 3,256,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 108,000 | 194,000 | 141,000 | 29,000 |
| Income tax | 10,000 | -15,000 | -55,000 | -131,000 |
| Net income | 98,000 | 209,000 | 196,000 | 160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,678,000 | 11,011,000 | 11,220,000 | 11,410,000 |
| Total capital | 11,258,000 | 11,609,000 | 11,786,000 | 11,956,000 |
| Risk-weighted assets | 45,344,000 | 46,756,000 | 44,188,000 | 42,515,000 |