Call reports 2015
CHEAHA BANK — 2015
What CHEAHA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 190,269,000 | 191,424,000 | 194,028,000 | 194,722,000 |
| Total loans | 104,608,000 | 105,574,000 | 109,048,000 | 109,534,000 |
| Allowance for loan losses | 1,689,000 | 1,721,000 | 1,747,000 | 1,771,000 |
| Securities available for sale | 60,289,000 | 61,975,000 | 64,722,000 | 67,451,000 |
| Securities held to maturity | 11,299,000 | 10,445,000 | 7,737,000 | 7,737,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,015,000 | 161,601,000 | 163,026,000 | 162,878,000 |
| Interest-bearing deposits | 139,855,000 | 139,958,000 | 141,828,000 | 140,838,000 |
| Noninterest-bearing deposits | 20,160,000 | 21,643,000 | 21,198,000 | 22,040,000 |
| Equity capital | 22,392,000 | 21,498,000 | 22,597,000 | 23,556,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,256,000 | 4,523,000 | 6,840,000 | 9,199,000 |
| Interest expense | 197,000 | 401,000 | 608,000 | 819,000 |
| Net interest income | 2,059,000 | 4,122,000 | 6,232,000 | 8,380,000 |
| Noninterest income | 231,000 | 442,000 | 651,000 | 857,000 |
| Noninterest expense | 1,181,000 | 2,376,000 | 3,597,000 | 4,850,000 |
| Provision for loan losses | 20,000 | 50,000 | 80,000 | 110,000 |
| Pretax income | 1,089,000 | 2,417,000 | 3,521,000 | 4,596,000 |
| Income tax | 294,000 | 683,000 | 980,000 | 1,232,000 |
| Net income | 795,000 | 1,734,000 | 2,541,000 | 3,364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,719,000 | 21,352,000 | 22,333,000 | 23,051,000 |
| Total capital | 23,408,000 | 22,669,000 | 23,643,000 | 24,584,000 |
| Risk-weighted assets | 145,768,000 | 104,934,000 | 104,340,000 | 122,429,000 |
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