Call reports 2019
CITIZENS BANK OF COCHRAN, THE — 2019
What CITIZENS BANK OF COCHRAN, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 91,351,000 | 99,835,000 | 105,240,000 | 106,775,000 |
| Total loans | 73,264,000 | 70,863,000 | 75,198,000 | 76,826,000 |
| Allowance for loan losses | 578,000 | 581,000 | 573,000 | 557,000 |
| Securities available for sale | 9,994,000 | 9,682,000 | 9,246,000 | 8,871,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,023,000 | 89,111,000 | 94,365,000 | 95,903,000 |
| Interest-bearing deposits | 70,617,000 | 78,470,000 | 84,247,000 | 84,160,000 |
| Noninterest-bearing deposits | 10,406,000 | 10,641,000 | 10,118,000 | 11,743,000 |
| Equity capital | 10,034,000 | 10,316,000 | 10,450,000 | 10,602,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,139,000 | 2,347,000 | 3,631,000 | 4,962,000 |
| Interest expense | 182,000 | 411,000 | 684,000 | 949,000 |
| Net interest income | 957,000 | 1,936,000 | 2,947,000 | 4,013,000 |
| Noninterest income | 81,000 | 189,000 | 289,000 | 389,000 |
| Noninterest expense | 848,000 | 1,722,000 | 2,702,000 | 3,706,000 |
| Provision for loan losses | 6,000 | 6,000 | 6,000 | -9,000 |
| Pretax income | 174,000 | 387,000 | 518,000 | 695,000 |
| Income tax | 53,000 | 106,000 | 141,000 | 190,000 |
| Net income | 121,000 | 281,000 | 377,000 | 505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,285,000 | 10,445,000 | 10,541,000 | 10,669,000 |
| Total capital | 10,863,000 | 11,026,000 | 11,114,000 | 11,226,000 |
| Risk-weighted assets | 67,466,000 | 66,818,000 | 70,785,000 | 71,413,000 |