Call reports 2022
CITIZENS BANK OF COCHRAN, THE — 2022
What CITIZENS BANK OF COCHRAN, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 132,882,000 | 134,273,000 | 139,190,000 | 155,438,000 |
| Total loans | 97,043,000 | 104,830,000 | 110,199,000 | 118,750,000 |
| Allowance for loan losses | 1,257,000 | 1,243,000 | 1,250,000 | 1,252,000 |
| Securities available for sale | 17,954,000 | 16,722,000 | 15,753,000 | 15,358,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,263,000 | 117,345,000 | 122,063,000 | 137,951,000 |
| Interest-bearing deposits | 96,629,000 | 95,562,000 | 98,722,000 | 114,004,000 |
| Noninterest-bearing deposits | 19,634,000 | 21,783,000 | 23,341,000 | 23,947,000 |
| Equity capital | 15,825,000 | 15,872,000 | 16,174,000 | 16,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,433,000 | 3,001,000 | 4,688,000 | 6,653,000 |
| Interest expense | 104,000 | 205,000 | 314,000 | 561,000 |
| Net interest income | 1,329,000 | 2,796,000 | 4,374,000 | 6,092,000 |
| Noninterest income | 157,000 | 453,000 | 655,000 | 799,000 |
| Noninterest expense | 925,000 | 1,886,000 | 2,890,000 | 3,973,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 561,000 | 1,363,000 | 2,139,000 | 2,918,000 |
| Income tax | 151,000 | 368,000 | 578,000 | 805,000 |
| Net income | 410,000 | 995,000 | 1,561,000 | 2,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,423,000 | 17,009,000 | 17,574,000 | 18,126,000 |
| Total capital | 17,514,000 | 18,173,000 | 18,784,000 | 19,378,000 |
| Risk-weighted assets | 87,140,000 | 93,117,000 | 96,767,000 | 105,668,000 |