Call reports 2025
BANKCHEROKEE — 2025
What BANKCHEROKEE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 398,303,000 | 394,888,000 | 402,220,000 | 408,209,000 |
| Total loans | 257,510,000 | 266,077,000 | 272,228,000 | 284,742,000 |
| Allowance for loan losses | 3,419,000 | 3,467,000 | 3,512,000 | 3,592,000 |
| Securities available for sale | 89,614,000 | 93,430,000 | 94,709,000 | 93,952,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 338,372,000 | 333,630,000 | 339,753,000 | 337,820,000 |
| Interest-bearing deposits | 233,143,000 | 229,665,000 | 232,853,000 | 242,320,000 |
| Noninterest-bearing deposits | 105,229,000 | 103,965,000 | 106,900,000 | 95,500,000 |
| Equity capital | 29,537,000 | 30,919,000 | 32,064,000 | 33,439,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,307,000 | 8,950,000 | 13,724,000 | 18,640,000 |
| Interest expense | 951,000 | 1,973,000 | 3,073,000 | 4,244,000 |
| Net interest income | 3,356,000 | 6,977,000 | 10,651,000 | 14,396,000 |
| Noninterest income | 520,000 | 1,051,000 | 1,618,000 | 2,176,000 |
| Noninterest expense | 3,214,000 | 6,352,000 | 9,450,000 | 12,476,000 |
| Provision for loan losses | 79,000 | 87,000 | 121,000 | 209,000 |
| Pretax income | 352,000 | 1,366,000 | 2,475,000 | 3,682,000 |
| Income tax | 50,000 | 328,000 | 633,000 | 965,000 |
| Net income | 302,000 | 1,038,000 | 1,842,000 | 2,717,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,992,000 | 36,478,000 | 37,032,000 | 37,656,000 |
| Total capital | 39,362,000 | 39,937,000 | 40,539,000 | 40,990,000 |
| Risk-weighted assets | 269,502,000 | 276,615,000 | 280,470,000 | 266,391,000 |