Call reports 2009
CHEAHA BANK — 2009
What CHEAHA BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 168,060,000 | 166,611,000 | 175,661,000 | 165,818,000 |
| Total loans | 98,217,000 | 100,275,000 | 101,048,000 | 101,384,000 |
| Allowance for loan losses | 807,000 | 780,000 | 895,000 | 1,071,000 |
| Securities available for sale | 25,672,000 | 24,151,000 | 29,167,000 | 24,602,000 |
| Securities held to maturity | 23,910,000 | 23,536,000 | 22,900,000 | 22,366,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,379,000 | 140,083,000 | 148,545,000 | 139,156,000 |
| Interest-bearing deposits | 130,542,000 | 130,524,000 | 138,677,000 | 130,107,000 |
| Noninterest-bearing deposits | 10,837,000 | 9,559,000 | 9,868,000 | 9,049,000 |
| Equity capital | 13,749,000 | 13,466,000 | 14,166,000 | 13,895,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,385,000 | 4,641,000 | 6,946,000 | 9,192,000 |
| Interest expense | 1,145,000 | 2,210,000 | 3,188,000 | 4,052,000 |
| Net interest income | 1,240,000 | 2,431,000 | 3,758,000 | 5,140,000 |
| Noninterest income | 52,000 | 321,000 | 477,000 | 625,000 |
| Noninterest expense | 923,000 | 2,641,000 | 3,616,000 | 4,592,000 |
| Provision for loan losses | 100,000 | 113,000 | 248,000 | 533,000 |
| Pretax income | 269,000 | 310,000 | 686,000 | 1,114,000 |
| Income tax | 24,000 | 58,000 | 106,000 | 157,000 |
| Net income | 245,000 | 252,000 | 580,000 | 957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,506,000 | 13,514,000 | 13,841,000 | 13,973,000 |
| Total capital | 14,313,000 | 14,294,000 | 14,736,000 | 15,044,000 |
| Risk-weighted assets | 114,905,000 | 116,117,000 | 117,341,000 | 115,459,000 |
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