Call reports 2020
CITIZENS BANK OF COCHRAN, THE — 2020
What CITIZENS BANK OF COCHRAN, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 108,229,000 | 116,926,000 | 117,498,000 | 116,576,000 |
| Total loans | 80,766,000 | 79,806,000 | 78,309,000 | 79,579,000 |
| Allowance for loan losses | 559,000 | 554,000 | 552,000 | 581,000 |
| Securities available for sale | 8,372,000 | 20,979,000 | 19,890,000 | 18,386,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,996,000 | 105,215,000 | 105,453,000 | 105,050,000 |
| Interest-bearing deposits | 85,847,000 | 90,079,000 | 91,279,000 | 90,685,000 |
| Noninterest-bearing deposits | 11,149,000 | 15,136,000 | 14,174,000 | 14,365,000 |
| Equity capital | 10,828,000 | 11,202,000 | 11,423,000 | 11,358,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,354,000 | 2,664,000 | 3,946,000 | 5,193,000 |
| Interest expense | 233,000 | 429,000 | 602,000 | 763,000 |
| Net interest income | 1,121,000 | 2,235,000 | 3,344,000 | 4,430,000 |
| Noninterest income | 139,000 | 251,000 | 352,000 | 447,000 |
| Noninterest expense | 925,000 | 1,865,000 | 2,845,000 | 3,775,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 335,000 | 621,000 | 851,000 | 1,102,000 |
| Income tax | 91,000 | 167,000 | 230,000 | 306,000 |
| Net income | 244,000 | 454,000 | 621,000 | 796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,914,000 | 11,123,000 | 11,290,000 | 11,213,000 |
| Total capital | 11,473,000 | 11,677,000 | 11,842,000 | 11,794,000 |
| Risk-weighted assets | 75,268,000 | 75,736,000 | 72,887,000 | 73,788,000 |