Call reports 2023
CITIZENS BANK OF COCHRAN, THE — 2023
What CITIZENS BANK OF COCHRAN, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 158,740,000 | 161,400,000 | 176,067,000 | 167,265,000 |
| Total loans | 124,684,000 | 129,270,000 | 130,735,000 | 131,608,000 |
| Allowance for loan losses | 1,859,000 | 1,871,000 | 1,871,000 | 1,886,000 |
| Securities available for sale | 14,861,000 | 14,396,000 | 13,742,000 | 13,747,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,417,000 | 141,997,000 | 155,687,000 | 146,748,000 |
| Interest-bearing deposits | 114,892,000 | 116,886,000 | 118,286,000 | 123,073,000 |
| Noninterest-bearing deposits | 25,525,000 | 25,111,000 | 37,401,000 | 23,675,000 |
| Equity capital | 16,711,000 | 17,439,000 | 17,967,000 | 19,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,228,000 | 4,608,000 | 7,126,000 | 10,013,000 |
| Interest expense | 422,000 | 892,000 | 1,568,000 | 2,292,000 |
| Net interest income | 1,806,000 | 3,716,000 | 5,558,000 | 7,721,000 |
| Noninterest income | 146,000 | 315,000 | 449,000 | 574,000 |
| Noninterest expense | 1,006,000 | 2,081,000 | 3,133,000 | 4,285,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 946,000 | 1,950,000 | 2,874,000 | 3,983,000 |
| Income tax | 252,000 | 519,000 | 766,000 | 1,062,000 |
| Net income | 694,000 | 1,431,000 | 2,108,000 | 2,921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,608,000 | 19,346,000 | 20,022,000 | 20,835,000 |
| Total capital | 20,000,000 | 20,758,000 | 21,452,000 | 22,252,000 |
| Risk-weighted assets | 111,009,000 | 112,587,000 | 114,119,000 | 112,980,000 |