Call reports 2008
CHEAHA BANK — 2008
What CHEAHA BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 157,289,000 | 159,771,000 | 161,268,000 | 164,972,000 |
| Total loans | 103,109,000 | 101,575,000 | 102,885,000 | 101,100,000 |
| Allowance for loan losses | 832,000 | 723,000 | 610,000 | 903,000 |
| Securities available for sale | 16,257,000 | 18,781,000 | 18,996,000 | 26,753,000 |
| Securities held to maturity | 23,942,000 | 23,934,000 | 23,925,000 | 23,918,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,861,000 | 135,790,000 | 135,033,000 | 139,057,000 |
| Interest-bearing deposits | 124,577,000 | 126,507,000 | 126,411,000 | 131,433,000 |
| Noninterest-bearing deposits | 8,284,000 | 9,283,000 | 8,622,000 | 7,624,000 |
| Equity capital | 13,059,000 | 12,674,000 | 13,062,000 | 13,009,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,492,000 | 4,952,000 | 7,398,000 | 9,851,000 |
| Interest expense | 1,463,000 | 2,806,000 | 4,048,000 | 5,292,000 |
| Net interest income | 1,029,000 | 2,146,000 | 3,350,000 | 4,559,000 |
| Noninterest income | 137,000 | 220,000 | 220,000 | 395,000 |
| Noninterest expense | 813,000 | 1,651,000 | 2,492,000 | 3,450,000 |
| Provision for loan losses | -65,000 | -101,000 | -156,000 | 1,323,000 |
| Pretax income | 418,000 | 873,000 | 1,292,000 | 250,000 |
| Income tax | 68,000 | 149,000 | 215,000 | -339,000 |
| Net income | 350,000 | 724,000 | 1,077,000 | 589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,894,000 | 12,846,000 | 13,199,000 | 12,661,000 |
| Total capital | 13,726,000 | 13,569,000 | 13,809,000 | 13,564,000 |
| Risk-weighted assets | 115,597,000 | 116,357,000 | 116,675,000 | 115,586,000 |
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