Call reports 2014
CHEAHA BANK — 2014
What CHEAHA BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 184,632,000 | 185,628,000 | 186,429,000 | 186,810,000 |
| Total loans | 99,713,000 | 100,683,000 | 101,322,000 | 103,861,000 |
| Allowance for loan losses | 1,625,000 | 1,639,000 | 1,656,000 | 1,704,000 |
| Securities available for sale | 53,187,000 | 53,998,000 | 53,518,000 | 56,888,000 |
| Securities held to maturity | 14,211,000 | 13,522,000 | 12,157,000 | 12,068,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,873,000 | 158,115,000 | 157,791,000 | 157,548,000 |
| Interest-bearing deposits | 139,939,000 | 139,856,000 | 137,747,000 | 138,322,000 |
| Noninterest-bearing deposits | 17,934,000 | 18,259,000 | 20,044,000 | 19,226,000 |
| Equity capital | 18,832,000 | 19,422,000 | 20,393,000 | 21,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,193,000 | 4,419,000 | 6,663,000 | 8,915,000 |
| Interest expense | 205,000 | 425,000 | 628,000 | 830,000 |
| Net interest income | 1,988,000 | 3,994,000 | 6,035,000 | 8,085,000 |
| Noninterest income | 198,000 | 424,000 | 655,000 | 886,000 |
| Noninterest expense | 1,158,000 | 2,344,000 | 3,533,000 | 4,738,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 135,000 |
| Pretax income | 1,005,000 | 2,049,000 | 3,183,000 | 4,259,000 |
| Income tax | 267,000 | 553,000 | 846,000 | 1,080,000 |
| Net income | 738,000 | 1,496,000 | 2,337,000 | 3,179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,252,000 | 19,356,000 | 20,167,000 | 20,979,000 |
| Total capital | 20,714,000 | 20,817,000 | 21,648,000 | 22,477,000 |
| Risk-weighted assets | 116,799,000 | 116,742,000 | 118,314,000 | 119,629,000 |
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