Call reports 2008
CITIZENS BANK OF COCHRAN, THE — 2008
What CITIZENS BANK OF COCHRAN, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 68,736,000 | 67,727,000 | 69,625,000 | 70,864,000 |
| Total loans | 41,135,000 | 41,920,000 | 51,647,000 | 52,638,000 |
| Allowance for loan losses | 1,683,000 | 1,659,000 | 1,683,000 | 1,683,000 |
| Securities available for sale | 10,641,000 | 10,356,000 | 10,359,000 | 9,331,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,362,000 | 54,407,000 | 56,355,000 | 57,680,000 |
| Interest-bearing deposits | 46,854,000 | 47,328,000 | 49,337,000 | 50,337,000 |
| Noninterest-bearing deposits | 8,508,000 | 7,079,000 | 7,018,000 | 7,343,000 |
| Equity capital | 12,774,000 | 12,701,000 | 12,645,000 | 12,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,054,000 | 2,071,000 | 3,105,000 | 4,120,000 |
| Interest expense | 413,000 | 794,000 | 1,163,000 | 1,557,000 |
| Net interest income | 641,000 | 1,277,000 | 1,942,000 | 2,563,000 |
| Noninterest income | 115,000 | 205,000 | 272,000 | 353,000 |
| Noninterest expense | 763,000 | 1,488,000 | 2,405,000 | 3,178,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -11,000 | -14,000 | -202,000 | -265,000 |
| Income tax | -5,000 | -24,000 | -99,000 | -149,000 |
| Net income | -6,000 | 10,000 | -103,000 | -116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,623,000 | 11,861,000 | 11,968,000 | 12,178,000 |
| Total capital | 12,247,000 | 12,496,000 | 12,690,000 | 12,903,000 |
| Risk-weighted assets | 48,827,000 | 49,798,000 | 56,830,000 | 57,064,000 |