Call reports 2013
CHEAHA BANK — 2013
What CHEAHA BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 182,682,000 | 183,625,000 | 183,421,000 | 181,918,000 |
| Total loans | 95,134,000 | 96,186,000 | 97,063,000 | 97,412,000 |
| Allowance for loan losses | 1,565,000 | 1,643,000 | 1,595,000 | 1,611,000 |
| Securities available for sale | 52,241,000 | 53,640,000 | 53,314,000 | 55,151,000 |
| Securities held to maturity | 16,960,000 | 16,405,000 | 15,995,000 | 15,205,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,804,000 | 159,054,000 | 158,451,000 | 156,506,000 |
| Interest-bearing deposits | 141,161,000 | 143,393,000 | 141,339,000 | 139,317,000 |
| Noninterest-bearing deposits | 15,643,000 | 15,661,000 | 17,112,000 | 17,189,000 |
| Equity capital | 17,743,000 | 16,693,000 | 17,010,000 | 17,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,087,000 | 4,233,000 | 6,431,000 | 8,656,000 |
| Interest expense | 291,000 | 574,000 | 852,000 | 1,107,000 |
| Net interest income | 1,796,000 | 3,659,000 | 5,579,000 | 7,549,000 |
| Noninterest income | 336,000 | 574,000 | 807,000 | 1,017,000 |
| Noninterest expense | 1,215,000 | 2,423,000 | 3,649,000 | 4,888,000 |
| Provision for loan losses | 75,000 | 150,000 | 205,000 | 280,000 |
| Pretax income | 842,000 | 1,660,000 | 2,534,000 | 3,400,000 |
| Income tax | 208,000 | 374,000 | 593,000 | 770,000 |
| Net income | 634,000 | 1,286,000 | 1,941,000 | 2,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,134,000 | 17,230,000 | 17,886,000 | 18,545,000 |
| Total capital | 18,574,000 | 18,692,000 | 19,345,000 | 20,007,000 |
| Risk-weighted assets | 115,108,000 | 116,814,000 | 116,830,000 | 116,785,000 |
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