Call reports 2012
CHEAHA BANK — 2012
What CHEAHA BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 180,502,000 | 182,279,000 | 181,065,000 | 179,924,000 |
| Total loans | 94,555,000 | 94,733,000 | 96,308,000 | 97,441,000 |
| Allowance for loan losses | 1,093,000 | 1,228,000 | 1,378,000 | 1,527,000 |
| Securities available for sale | 45,375,000 | 47,279,000 | 45,816,000 | 46,141,000 |
| Securities held to maturity | 19,681,000 | 19,454,000 | 19,152,000 | 18,624,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,567,000 | 151,969,000 | 154,753,000 | 153,742,000 |
| Interest-bearing deposits | 137,100,000 | 138,536,000 | 139,869,000 | 138,474,000 |
| Noninterest-bearing deposits | 13,467,000 | 13,433,000 | 14,884,000 | 15,268,000 |
| Equity capital | 16,989,000 | 17,319,000 | 18,131,000 | 18,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,105,000 | 4,267,000 | 6,469,000 | 8,644,000 |
| Interest expense | 407,000 | 808,000 | 1,174,000 | 1,483,000 |
| Net interest income | 1,698,000 | 3,459,000 | 5,295,000 | 7,161,000 |
| Noninterest income | 262,000 | 534,000 | 808,000 | 1,098,000 |
| Noninterest expense | 1,232,000 | 2,499,000 | 3,731,000 | 5,025,000 |
| Provision for loan losses | 175,000 | 355,000 | 505,000 | 655,000 |
| Pretax income | 553,000 | 1,224,000 | 2,426,000 | 3,138,000 |
| Income tax | 83,000 | 220,000 | 460,000 | 697,000 |
| Net income | 470,000 | 1,004,000 | 1,966,000 | 2,441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,504,000 | 16,514,000 | 17,275,000 | 17,500,000 |
| Total capital | 17,597,000 | 17,742,000 | 18,653,000 | 18,946,000 |
| Risk-weighted assets | 113,492,000 | 114,533,000 | 115,082,000 | 115,601,000 |
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