Call reports 2013
CITIZENS BANK OF COCHRAN, THE — 2013
What CITIZENS BANK OF COCHRAN, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 65,312,000 | 71,115,000 | 67,253,000 | 70,522,000 |
| Total loans | 32,318,000 | 35,085,000 | 36,146,000 | 37,027,000 |
| Allowance for loan losses | 3,161,000 | 1,661,000 | 1,672,000 | 1,679,000 |
| Securities available for sale | 22,782,000 | 24,603,000 | 24,061,000 | 23,308,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,794,000 | 62,715,000 | 58,999,000 | 62,631,000 |
| Interest-bearing deposits | 50,474,000 | 56,529,000 | 53,426,000 | 54,349,000 |
| Noninterest-bearing deposits | 6,320,000 | 6,186,000 | 5,573,000 | 8,282,000 |
| Equity capital | 8,265,000 | 8,065,000 | 7,782,000 | 7,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 562,000 | 1,170,000 | 1,841,000 | 2,486,000 |
| Interest expense | 167,000 | 337,000 | 496,000 | 631,000 |
| Net interest income | 395,000 | 833,000 | 1,345,000 | 1,855,000 |
| Noninterest income | 72,000 | 159,000 | 233,000 | 299,000 |
| Noninterest expense | 615,000 | 1,186,000 | 1,718,000 | 2,367,000 |
| Provision for loan losses | 30,000 | -1,470,000 | -1,470,000 | -1,470,000 |
| Pretax income | -219,000 | 1,204,000 | 1,258,000 | 1,185,000 |
| Income tax | -102,000 | 403,000 | 410,000 | 198,000 |
| Net income | -117,000 | 801,000 | 848,000 | 987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,904,000 | 7,881,000 | 7,927,000 | 8,054,000 |
| Total capital | 7,406,000 | 8,432,000 | 8,511,000 | 8,649,000 |
| Risk-weighted assets | 37,484,000 | 42,944,000 | 45,611,000 | 46,551,000 |