Call reports 2015
CITIZENS BANK OF COCHRAN, THE — 2015
What CITIZENS BANK OF COCHRAN, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 77,444,000 | 75,469,000 | 71,316,000 | 71,874,000 |
| Total loans | 40,296,000 | 40,763,000 | 40,728,000 | 41,757,000 |
| Allowance for loan losses | 1,272,000 | 1,280,000 | 1,351,000 | 1,378,000 |
| Securities available for sale | 29,657,000 | 24,927,000 | 22,075,000 | 22,391,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,865,000 | 67,438,000 | 63,139,000 | 63,593,000 |
| Interest-bearing deposits | 60,042,000 | 58,296,000 | 54,387,000 | 53,005,000 |
| Noninterest-bearing deposits | 8,823,000 | 9,142,000 | 8,752,000 | 10,588,000 |
| Equity capital | 7,983,000 | 7,701,000 | 7,861,000 | 8,126,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 747,000 | 1,509,000 | 2,299,000 | 3,069,000 |
| Interest expense | 114,000 | 231,000 | 334,000 | 407,000 |
| Net interest income | 633,000 | 1,278,000 | 1,965,000 | 2,662,000 |
| Noninterest income | 70,000 | 145,000 | 224,000 | 316,000 |
| Noninterest expense | 680,000 | 1,342,000 | 2,057,000 | 2,804,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 23,000 | 81,000 | 133,000 | 175,000 |
| Income tax | -6,000 | 1,000 | 7,000 | 6,000 |
| Net income | 29,000 | 80,000 | 126,000 | 169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,235,000 | 6,106,000 | 6,605,000 | 6,870,000 |
| Total capital | 6,822,000 | 6,705,000 | 7,202,000 | 7,493,000 |
| Risk-weighted assets | 46,344,000 | 45,990,000 | 46,076,000 | 48,333,000 |