Call reports 2017
CITIZENS BANK OF COCHRAN, THE — 2017
What CITIZENS BANK OF COCHRAN, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 75,736,000 | 84,173,000 | 85,280,000 | 87,649,000 |
| Total loans | 50,606,000 | 59,690,000 | 62,701,000 | 66,395,000 |
| Allowance for loan losses | 644,000 | 612,000 | 517,000 | 554,000 |
| Securities available for sale | 16,472,000 | 13,732,000 | 13,202,000 | 12,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,747,000 | 73,951,000 | 74,936,000 | 78,013,000 |
| Interest-bearing deposits | 53,691,000 | 62,501,000 | 63,033,000 | 66,326,000 |
| Noninterest-bearing deposits | 12,056,000 | 11,450,000 | 11,903,000 | 11,687,000 |
| Equity capital | 9,803,000 | 9,934,000 | 10,015,000 | 9,509,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 787,000 | 1,666,000 | 2,610,000 | 3,619,000 |
| Interest expense | 57,000 | 119,000 | 211,000 | 322,000 |
| Net interest income | 730,000 | 1,547,000 | 2,399,000 | 3,297,000 |
| Noninterest income | 75,000 | 149,000 | 214,000 | 279,000 |
| Noninterest expense | 775,000 | 1,626,000 | 2,474,000 | 3,458,000 |
| Provision for loan losses | -45,000 | -65,000 | -65,000 | -75,000 |
| Pretax income | 75,000 | 145,000 | 214,000 | 203,000 |
| Income tax | 1,000 | 40,000 | 32,000 | 447,000 |
| Net income | 74,000 | 105,000 | 182,000 | -244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,682,000 | 10,063,000 | 10,139,000 | 9,738,000 |
| Total capital | 10,326,000 | 10,675,000 | 10,656,000 | 10,292,000 |
| Risk-weighted assets | 55,128,000 | 62,607,000 | 65,400,000 | 67,659,000 |