Call reports 2015
BANKCHEROKEE — 2015
What BANKCHEROKEE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 266,663,000 | 255,504,000 | 260,304,000 | 263,011,000 |
| Total loans | 148,499,000 | 152,833,000 | 158,498,000 | 162,357,000 |
| Allowance for loan losses | 1,981,000 | 1,742,000 | 1,826,000 | 1,861,000 |
| Securities available for sale | 68,228,000 | 70,797,000 | 66,361,000 | 68,010,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,727,000 | 226,126,000 | 231,049,000 | 235,036,000 |
| Interest-bearing deposits | 181,575,000 | 171,458,000 | 173,198,000 | 171,098,000 |
| Noninterest-bearing deposits | 55,152,000 | 54,668,000 | 57,851,000 | 63,938,000 |
| Equity capital | 19,261,000 | 19,395,000 | 19,712,000 | 19,748,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,853,000 | 3,747,000 | 5,699,000 | 7,697,000 |
| Interest expense | 114,000 | 224,000 | 332,000 | 435,000 |
| Net interest income | 1,739,000 | 3,523,000 | 5,367,000 | 7,262,000 |
| Noninterest income | 853,000 | 1,409,000 | 1,852,000 | 2,221,000 |
| Noninterest expense | 1,927,000 | 3,827,000 | 5,692,000 | 7,618,000 |
| Provision for loan losses | 0 | -250,000 | -250,000 | -240,000 |
| Pretax income | 665,000 | 1,355,000 | 1,865,000 | 2,193,000 |
| Income tax | 252,000 | 514,000 | 905,000 | 935,000 |
| Net income | 413,000 | 841,000 | 960,000 | 1,258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,230,000 | 19,071,000 | 19,437,000 | 19,735,000 |
| Total capital | 20,050,000 | 20,813,000 | 21,263,000 | 21,596,000 |
| Risk-weighted assets | 144,797,000 | 153,215,000 | 157,347,000 | 158,217,000 |