Call reports 2012
BANKCHEROKEE — 2012
What BANKCHEROKEE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 242,158,000 | 241,099,000 | 233,981,000 | 240,191,000 |
| Total loans | 149,993,000 | 150,902,000 | 150,243,000 | 155,920,000 |
| Allowance for loan losses | 2,503,000 | 2,550,000 | 2,514,000 | 2,191,000 |
| Securities available for sale | 46,519,000 | 40,366,000 | 36,886,000 | 39,692,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,653,000 | 215,139,000 | 211,115,000 | 214,738,000 |
| Interest-bearing deposits | 176,313,000 | 174,972,000 | 170,532,000 | 172,313,000 |
| Noninterest-bearing deposits | 38,340,000 | 40,167,000 | 40,583,000 | 42,425,000 |
| Equity capital | 13,171,000 | 13,069,000 | 13,242,000 | 13,683,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,040,000 | 4,046,000 | 5,908,000 | 7,928,000 |
| Interest expense | 291,000 | 552,000 | 790,000 | 1,006,000 |
| Net interest income | 1,749,000 | 3,494,000 | 5,118,000 | 6,922,000 |
| Noninterest income | 455,000 | 893,000 | 1,072,000 | 1,425,000 |
| Noninterest expense | 2,144,000 | 4,223,000 | 6,083,000 | 8,000,000 |
| Provision for loan losses | 293,000 | 548,000 | 325,000 | 127,000 |
| Pretax income | -233,000 | -384,000 | -51,000 | 387,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -233,000 | -384,000 | -51,000 | 387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,571,000 | 12,420,000 | 12,753,000 | 13,191,000 |
| Total capital | 14,254,000 | 14,080,000 | 14,393,000 | 14,873,000 |
| Risk-weighted assets | 133,807,000 | 131,939,000 | 130,364,000 | 134,027,000 |