Call reports 2012
CITIZENS BANK OF COCHRAN, THE — 2012
What CITIZENS BANK OF COCHRAN, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 62,429,000 | 63,141,000 | 65,556,000 | 66,211,000 |
| Total loans | 35,602,000 | 35,347,000 | 37,546,000 | 34,031,000 |
| Allowance for loan losses | 3,078,000 | 3,425,000 | 3,540,000 | 3,523,000 |
| Securities available for sale | 22,493,000 | 24,209,000 | 24,183,000 | 24,191,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,646,000 | 54,050,000 | 56,741,000 | 57,257,000 |
| Interest-bearing deposits | 47,468,000 | 48,484,000 | 51,320,000 | 50,386,000 |
| Noninterest-bearing deposits | 6,178,000 | 5,566,000 | 5,421,000 | 6,871,000 |
| Equity capital | 8,537,000 | 8,740,000 | 8,470,000 | 8,647,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 724,000 | 1,390,000 | 2,039,000 | 2,728,000 |
| Interest expense | 170,000 | 332,000 | 502,000 | 674,000 |
| Net interest income | 554,000 | 1,058,000 | 1,537,000 | 2,054,000 |
| Noninterest income | 46,000 | 111,000 | -29,000 | 35,000 |
| Noninterest expense | 577,000 | 1,112,000 | 1,667,000 | 2,229,000 |
| Provision for loan losses | 375,000 | 750,000 | 875,000 | 875,000 |
| Pretax income | -284,000 | -553,000 | -730,000 | -711,000 |
| Income tax | -199,000 | -364,000 | -310,000 | -449,000 |
| Net income | -85,000 | -189,000 | -420,000 | -262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,892,000 | 7,788,000 | 7,557,000 | 7,157,000 |
| Total capital | 8,429,000 | 8,323,000 | 8,092,000 | 7,659,000 |
| Risk-weighted assets | 40,420,000 | 39,876,000 | 39,821,000 | 37,153,000 |