Call reports 2016
CITIZENS BANK OF COCHRAN, THE — 2016
What CITIZENS BANK OF COCHRAN, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 74,614,000 | 74,357,000 | 74,969,000 | 75,666,000 |
| Total loans | 43,669,000 | 45,937,000 | 46,588,000 | 48,930,000 |
| Allowance for loan losses | 896,000 | 866,000 | 851,000 | 776,000 |
| Securities available for sale | 18,902,000 | 18,704,000 | 18,089,000 | 16,927,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,834,000 | 63,711,000 | 64,717,000 | 65,886,000 |
| Interest-bearing deposits | 52,040,000 | 53,120,000 | 53,528,000 | 53,995,000 |
| Noninterest-bearing deposits | 11,794,000 | 10,591,000 | 11,189,000 | 11,891,000 |
| Equity capital | 9,797,000 | 10,362,000 | 9,893,000 | 9,685,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 999,000 | 1,745,000 | 2,515,000 | 3,313,000 |
| Interest expense | 65,000 | 127,000 | 186,000 | 247,000 |
| Net interest income | 934,000 | 1,618,000 | 2,329,000 | 3,066,000 |
| Noninterest income | 74,000 | 186,000 | 298,000 | 404,000 |
| Noninterest expense | 737,000 | 1,475,000 | 2,305,000 | 3,115,000 |
| Provision for loan losses | -1,900,000 | -1,930,000 | -1,950,000 | -2,010,000 |
| Pretax income | 2,171,000 | 2,328,000 | 2,340,000 | 2,428,000 |
| Income tax | 655,000 | 197,000 | 715,000 | 714,000 |
| Net income | 1,516,000 | 2,131,000 | 1,625,000 | 1,714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,448,000 | 10,375,000 | 9,868,000 | 9,585,000 |
| Total capital | 9,062,000 | 11,009,000 | 10,513,000 | 10,274,000 |
| Risk-weighted assets | 48,286,000 | 50,480,000 | 51,356,000 | 54,872,000 |