Call reports 2016
CHEAHA BANK — 2016
What CHEAHA BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 196,927,000 | 199,465,000 | 201,390,000 | 197,135,000 |
| Total loans | 110,576,000 | 107,636,000 | 110,007,000 | 106,110,000 |
| Allowance for loan losses | 1,772,000 | 1,718,000 | 1,744,000 | 1,744,000 |
| Securities available for sale | 64,003,000 | 65,035,000 | 66,938,000 | 70,944,000 |
| Securities held to maturity | 7,554,000 | 6,854,000 | 6,515,000 | 5,623,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,803,000 | 167,292,000 | 169,194,000 | 166,725,000 |
| Interest-bearing deposits | 141,828,000 | 143,674,000 | 145,236,000 | 141,452,000 |
| Noninterest-bearing deposits | 22,975,000 | 23,618,000 | 23,958,000 | 25,273,000 |
| Equity capital | 24,439,000 | 24,652,000 | 25,114,000 | 23,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,344,000 | 4,715,000 | 7,122,000 | 9,470,000 |
| Interest expense | 208,000 | 412,000 | 622,000 | 829,000 |
| Net interest income | 2,136,000 | 4,303,000 | 6,500,000 | 8,641,000 |
| Noninterest income | 223,000 | 461,000 | 701,000 | 940,000 |
| Noninterest expense | 1,257,000 | 2,600,000 | 3,962,000 | 5,240,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 90,000 |
| Pretax income | 1,169,000 | 2,209,000 | 3,280,000 | 4,389,000 |
| Income tax | 332,000 | 610,000 | 898,000 | 1,116,000 |
| Net income | 837,000 | 1,599,000 | 2,382,000 | 3,273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,888,000 | 23,585,000 | 24,164,000 | 25,055,000 |
| Total capital | 25,431,000 | 25,116,000 | 25,738,000 | 26,627,000 |
| Risk-weighted assets | 123,178,000 | 122,312,000 | 125,741,000 | 125,613,000 |