Call reports 2018
CITIZENS BANK OF COCHRAN, THE — 2018
What CITIZENS BANK OF COCHRAN, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 88,816,000 | 87,886,000 | 89,315,000 | 88,563,000 |
| Total loans | 68,382,000 | 68,685,000 | 66,252,000 | 70,714,000 |
| Allowance for loan losses | 520,000 | 502,000 | 552,000 | 571,000 |
| Securities available for sale | 13,387,000 | 12,728,000 | 12,040,000 | 11,771,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,118,000 | 75,961,000 | 77,666,000 | 77,789,000 |
| Interest-bearing deposits | 68,219,000 | 64,954,000 | 68,011,000 | 68,379,000 |
| Noninterest-bearing deposits | 10,899,000 | 11,007,000 | 9,655,000 | 9,410,000 |
| Equity capital | 9,427,000 | 9,524,000 | 9,626,000 | 9,836,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,026,000 | 2,116,000 | 3,219,000 | 4,354,000 |
| Interest expense | 130,000 | 265,000 | 427,000 | 604,000 |
| Net interest income | 896,000 | 1,851,000 | 2,792,000 | 3,750,000 |
| Noninterest income | 81,000 | 154,000 | 234,000 | 326,000 |
| Noninterest expense | 889,000 | 1,776,000 | 2,632,000 | 3,500,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 88,000 | 229,000 | 394,000 | 576,000 |
| Income tax | 23,000 | 54,000 | 89,000 | 150,000 |
| Net income | 65,000 | 175,000 | 305,000 | 426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,804,000 | 9,913,000 | 10,044,000 | 10,164,000 |
| Total capital | 10,324,000 | 10,415,000 | 10,596,000 | 10,735,000 |
| Risk-weighted assets | 66,950,000 | 67,165,000 | 63,489,000 | 66,495,000 |