Call reports 2007
CHEAHA BANK — 2007
What CHEAHA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 141,339,000 | 145,810,000 | 153,228,000 | 150,649,000 |
| Total loans | 90,313,000 | 91,899,000 | 94,820,000 | 97,163,000 |
| Allowance for loan losses | 901,000 | 926,000 | 941,000 | 920,000 |
| Securities available for sale | 17,382,000 | 21,018,000 | 23,843,000 | 17,037,000 |
| Securities held to maturity | 20,213,000 | 20,784,000 | 23,959,000 | 23,951,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,507,000 | 128,193,000 | 129,822,000 | 126,944,000 |
| Interest-bearing deposits | 114,765,000 | 118,206,000 | 121,367,000 | 119,270,000 |
| Noninterest-bearing deposits | 8,742,000 | 9,987,000 | 8,455,000 | 7,674,000 |
| Equity capital | 11,710,000 | 11,469,000 | 12,094,000 | 12,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,349,000 | 4,787,000 | 7,381,000 | 9,957,000 |
| Interest expense | 1,384,000 | 2,817,000 | 4,339,000 | 5,847,000 |
| Net interest income | 965,000 | 1,970,000 | 3,042,000 | 4,110,000 |
| Noninterest income | 126,000 | 230,000 | 628,000 | 756,000 |
| Noninterest expense | 744,000 | 1,495,000 | 2,219,000 | 3,012,000 |
| Provision for loan losses | 60,000 | 108,000 | 223,000 | 223,000 |
| Pretax income | 287,000 | 597,000 | 1,228,000 | 1,643,000 |
| Income tax | 43,000 | 94,000 | 250,000 | 318,000 |
| Net income | 244,000 | 503,000 | 978,000 | 1,325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,924,000 | 11,816,000 | 12,241,000 | 12,543,000 |
| Total capital | 12,825,000 | 12,742,000 | 13,182,000 | 13,463,000 |
| Risk-weighted assets | 98,323,000 | 102,375,000 | 108,450,000 | 111,068,000 |
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