Call reports 2011
CITIZENS BANK OF COCHRAN, THE — 2011
What CITIZENS BANK OF COCHRAN, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 64,485,000 | 63,251,000 | 60,677,000 | 61,382,000 |
| Total loans | 40,867,000 | 37,503,000 | 37,385,000 | 35,683,000 |
| Allowance for loan losses | 2,183,000 | 2,422,000 | 2,799,000 | 2,731,000 |
| Securities available for sale | 20,119,000 | 20,963,000 | 17,125,000 | 22,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,408,000 | 53,882,000 | 51,023,000 | 51,959,000 |
| Interest-bearing deposits | 48,808,000 | 47,699,000 | 44,839,000 | 45,509,000 |
| Noninterest-bearing deposits | 6,600,000 | 6,183,000 | 6,184,000 | 6,450,000 |
| Equity capital | 8,765,000 | 8,981,000 | 9,185,000 | 8,797,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 784,000 | 1,552,000 | 2,336,000 | 3,001,000 |
| Interest expense | 235,000 | 445,000 | 634,000 | 810,000 |
| Net interest income | 549,000 | 1,107,000 | 1,702,000 | 2,191,000 |
| Noninterest income | 319,000 | 389,000 | 453,000 | 494,000 |
| Noninterest expense | 560,000 | 1,113,000 | 1,535,000 | 2,084,000 |
| Provision for loan losses | 375,000 | 750,000 | 1,125,000 | 1,500,000 |
| Pretax income | -67,000 | -304,000 | -442,000 | -524,000 |
| Income tax | -44,000 | -147,000 | -213,000 | -250,000 |
| Net income | -23,000 | -157,000 | -229,000 | -274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,687,000 | 8,459,000 | 8,203,000 | 8,015,000 |
| Total capital | 9,261,000 | 9,022,000 | 8,751,000 | 8,555,000 |
| Risk-weighted assets | 44,277,000 | 43,138,000 | 41,584,000 | 41,007,000 |