Call reports 2009
CHEROKEE STATE BANK — 2009
What CHEROKEE STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 164,753,000 | 163,464,000 | 163,175,000 | 162,319,000 |
| Total loans | 96,554,000 | 95,750,000 | 96,613,000 | 99,068,000 |
| Allowance for loan losses | 738,000 | 828,000 | 985,000 | 935,000 |
| Securities available for sale | 60,375,000 | 56,913,000 | 58,894,000 | 55,563,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,632,000 | 128,921,000 | 127,728,000 | 131,495,000 |
| Interest-bearing deposits | 117,931,000 | 114,689,000 | 115,178,000 | 116,458,000 |
| Noninterest-bearing deposits | 12,701,000 | 14,232,000 | 12,550,000 | 15,037,000 |
| Equity capital | 17,554,000 | 17,891,000 | 19,021,000 | 18,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,093,000 | 4,155,000 | 6,205,000 | 8,298,000 |
| Interest expense | 777,000 | 1,497,000 | 2,184,000 | 2,823,000 |
| Net interest income | 1,316,000 | 2,658,000 | 4,021,000 | 5,475,000 |
| Noninterest income | 135,000 | 314,000 | 519,000 | 694,000 |
| Noninterest expense | 658,000 | 1,257,000 | 2,111,000 | 2,980,000 |
| Provision for loan losses | 90,000 | 180,000 | 330,000 | 580,000 |
| Pretax income | 703,000 | 1,535,000 | 2,233,000 | 2,743,000 |
| Income tax | 142,000 | 327,000 | 475,000 | 437,000 |
| Net income | 561,000 | 1,208,000 | 1,758,000 | 2,306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,273,000 | 18,598,000 | 18,827,000 | 18,412,000 |
| Total capital | 19,011,000 | 19,426,000 | 19,812,000 | 19,347,000 |
| Risk-weighted assets | 112,427,000 | 114,219,000 | 115,474,000 | 118,302,000 |
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