Call reports 2009
CITIZENS BANK OF COCHRAN, THE — 2009
What CITIZENS BANK OF COCHRAN, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 69,516,000 | 70,467,000 | 72,869,000 | 68,121,000 |
| Total loans | 53,483,000 | 51,051,000 | 54,775,000 | 50,253,000 |
| Allowance for loan losses | 1,622,000 | 1,836,000 | 1,923,000 | 1,546,000 |
| Securities available for sale | 8,997,000 | 10,863,000 | 10,530,000 | 9,962,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,422,000 | 57,435,000 | 59,669,000 | 57,329,000 |
| Interest-bearing deposits | 49,168,000 | 50,672,000 | 53,141,000 | 52,083,000 |
| Noninterest-bearing deposits | 7,254,000 | 6,764,000 | 6,528,000 | 5,246,000 |
| Equity capital | 12,601,000 | 12,417,000 | 12,568,000 | 10,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 835,000 | 1,745,000 | 2,819,000 | 3,789,000 |
| Interest expense | 352,000 | 690,000 | 1,043,000 | 1,355,000 |
| Net interest income | 483,000 | 1,055,000 | 1,776,000 | 2,434,000 |
| Noninterest income | 78,000 | 138,000 | 222,000 | 209,000 |
| Noninterest expense | 661,000 | 1,312,000 | 1,975,000 | 2,697,000 |
| Provision for loan losses | 0 | 200,000 | 275,000 | 275,000 |
| Pretax income | -105,000 | -340,000 | -283,000 | -369,000 |
| Income tax | -65,000 | -140,000 | -135,000 | -173,000 |
| Net income | -40,000 | -200,000 | -148,000 | -196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,245,000 | 12,144,000 | 12,304,000 | 10,195,000 |
| Total capital | 12,981,000 | 12,861,000 | 13,065,000 | 10,866,000 |
| Risk-weighted assets | 57,973,000 | 56,250,000 | 59,708,000 | 52,826,000 |