Call reports 2007
CHEROKEE STATE BANK — 2007
What CHEROKEE STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 155,039,000 | 161,597,000 | 158,691,000 | 158,954,000 |
| Total loans | 92,555,000 | 96,559,000 | 94,302,000 | 96,139,000 |
| Allowance for loan losses | 799,000 | 802,000 | 801,000 | 794,000 |
| Securities available for sale | 56,268,000 | 57,648,000 | 56,466,000 | 54,958,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,218,000 | 121,153,000 | 123,901,000 | 121,734,000 |
| Interest-bearing deposits | 110,408,000 | 109,872,000 | 113,507,000 | 107,578,000 |
| Noninterest-bearing deposits | 10,810,000 | 11,281,000 | 10,394,000 | 14,156,000 |
| Equity capital | 17,747,000 | 17,457,000 | 18,020,000 | 17,785,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,330,000 | 4,814,000 | 7,348,000 | 9,819,000 |
| Interest expense | 1,119,000 | 2,387,000 | 3,719,000 | 4,997,000 |
| Net interest income | 1,211,000 | 2,427,000 | 3,629,000 | 4,822,000 |
| Noninterest income | 130,000 | 306,000 | 466,000 | 639,000 |
| Noninterest expense | 707,000 | 1,306,000 | 1,898,000 | 2,582,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 631,000 | 1,421,000 | 2,188,000 | 2,867,000 |
| Income tax | 135,000 | 308,000 | 475,000 | 608,000 |
| Net income | 496,000 | 1,113,000 | 1,713,000 | 2,259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,362,000 | 17,659,000 | 17,937,000 | 17,536,000 |
| Total capital | 18,161,000 | 18,461,000 | 18,738,000 | 18,330,000 |
| Risk-weighted assets | 110,009,000 | 118,574,000 | 116,617,000 | 112,007,000 |
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