Call reports 2010
CHEROKEE STATE BANK — 2010
What CHEROKEE STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 166,435,000 | 157,914,000 | 163,267,000 | 165,276,000 |
| Total loans | 94,991,000 | 97,750,000 | 99,421,000 | 104,381,000 |
| Allowance for loan losses | 873,000 | 925,000 | 1,253,000 | 974,000 |
| Securities available for sale | 58,567,000 | 53,404,000 | 55,641,000 | 54,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,113,000 | 125,740,000 | 132,754,000 | 133,859,000 |
| Interest-bearing deposits | 124,802,000 | 116,105,000 | 121,571,000 | 119,749,000 |
| Noninterest-bearing deposits | 11,311,000 | 9,635,000 | 11,183,000 | 14,110,000 |
| Equity capital | 18,589,000 | 19,039,000 | 19,956,000 | 18,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,028,000 | 4,087,000 | 6,155,000 | 8,200,000 |
| Interest expense | 571,000 | 1,127,000 | 1,644,000 | 2,077,000 |
| Net interest income | 1,457,000 | 2,960,000 | 4,511,000 | 6,123,000 |
| Noninterest income | 159,000 | 337,000 | 547,000 | 797,000 |
| Noninterest expense | 772,000 | 1,504,000 | 2,306,000 | 3,269,000 |
| Provision for loan losses | 150,000 | 400,000 | 750,000 | 800,000 |
| Pretax income | 694,000 | 1,393,000 | 2,002,000 | 3,037,000 |
| Income tax | 162,000 | 333,000 | 512,000 | 529,000 |
| Net income | 532,000 | 1,060,000 | 1,490,000 | 2,508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,623,000 | 18,829,000 | 18,938,000 | 18,993,000 |
| Total capital | 19,496,000 | 19,754,000 | 20,191,000 | 19,967,000 |
| Risk-weighted assets | 115,238,000 | 118,009,000 | 120,387,000 | 126,454,000 |
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