Call reports 2010
CHEAHA BANK — 2010
What CHEAHA BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 172,179,000 | 171,951,000 | 174,621,000 | 168,300,000 |
| Total loans | 99,530,000 | 99,189,000 | 96,495,000 | 97,476,000 |
| Allowance for loan losses | 934,000 | 1,123,000 | 1,303,000 | 1,430,000 |
| Securities available for sale | 21,972,000 | 24,016,000 | 26,743,000 | 29,400,000 |
| Securities held to maturity | 21,962,000 | 21,959,000 | 21,956,000 | 21,649,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,338,000 | 143,465,000 | 146,128,000 | 140,125,000 |
| Interest-bearing deposits | 133,719,000 | 134,486,000 | 136,165,000 | 130,762,000 |
| Noninterest-bearing deposits | 10,619,000 | 8,979,000 | 9,963,000 | 9,363,000 |
| Equity capital | 15,108,000 | 15,519,000 | 15,585,000 | 15,171,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,156,000 | 4,343,000 | 6,528,000 | 8,759,000 |
| Interest expense | 765,000 | 1,525,000 | 2,242,000 | 2,839,000 |
| Net interest income | 1,391,000 | 2,818,000 | 4,286,000 | 5,920,000 |
| Noninterest income | 313,000 | 518,000 | 547,000 | 609,000 |
| Noninterest expense | 1,111,000 | 2,181,000 | 3,253,000 | 4,423,000 |
| Provision for loan losses | 195,000 | 415,000 | 665,000 | 880,000 |
| Pretax income | 398,000 | 740,000 | 1,075,000 | 1,404,000 |
| Income tax | 57,000 | 93,000 | 121,000 | 151,000 |
| Net income | 341,000 | 647,000 | 954,000 | 1,253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,064,000 | 15,320,000 | 15,552,000 | 15,611,000 |
| Total capital | 15,998,000 | 16,443,000 | 16,855,000 | 17,028,000 |
| Risk-weighted assets | 112,954,000 | 112,933,000 | 112,790,000 | 114,289,000 |
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