Call reports 2021
CITIZENS BANK OF COCHRAN, THE — 2021
What CITIZENS BANK OF COCHRAN, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 121,093,000 | 120,889,000 | 126,706,000 | 128,146,000 |
| Total loans | 79,880,000 | 86,218,000 | 93,107,000 | 94,966,000 |
| Allowance for loan losses | 615,000 | 583,000 | 617,000 | 1,265,000 |
| Securities available for sale | 17,209,000 | 21,385,000 | 18,925,000 | 17,559,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,102,000 | 108,452,000 | 112,592,000 | 113,952,000 |
| Interest-bearing deposits | 92,966,000 | 90,719,000 | 93,484,000 | 94,847,000 |
| Noninterest-bearing deposits | 16,136,000 | 17,733,000 | 19,108,000 | 19,105,000 |
| Equity capital | 11,572,000 | 11,846,000 | 13,337,000 | 13,651,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,233,000 | 2,560,000 | 3,925,000 | 5,362,000 |
| Interest expense | 145,000 | 287,000 | 411,000 | 532,000 |
| Net interest income | 1,088,000 | 2,273,000 | 3,514,000 | 4,830,000 |
| Noninterest income | 140,000 | 307,000 | 470,000 | 1,379,000 |
| Noninterest expense | 866,000 | 1,745,000 | 2,666,000 | 3,666,000 |
| Provision for loan losses | 0 | 0 | 0 | 650,000 |
| Pretax income | 362,000 | 835,000 | 1,318,000 | 1,893,000 |
| Income tax | 97,000 | 225,000 | 355,000 | 510,000 |
| Net income | 265,000 | 610,000 | 963,000 | 1,383,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,477,000 | 11,822,000 | 13,278,000 | 13,698,000 |
| Total capital | 12,092,000 | 12,405,000 | 13,895,000 | 14,755,000 |
| Risk-weighted assets | 74,480,000 | 78,988,000 | 83,223,000 | 84,387,000 |