Call reports 2012
CHEROKEE STATE BANK — 2012
What CHEROKEE STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 192,723,000 | 181,052,000 | 182,804,000 | 186,344,000 |
| Total loans | 101,885,000 | 97,621,000 | 95,580,000 | 100,109,000 |
| Allowance for loan losses | 1,040,000 | 913,000 | 934,000 | 1,017,000 |
| Securities available for sale | 71,972,000 | 70,092,000 | 69,576,000 | 76,492,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,243,000 | 150,164,000 | 150,832,000 | 154,249,000 |
| Interest-bearing deposits | 147,851,000 | 133,017,000 | 136,551,000 | 136,797,000 |
| Noninterest-bearing deposits | 14,392,000 | 17,147,000 | 14,281,000 | 17,452,000 |
| Equity capital | 21,565,000 | 22,608,000 | 23,170,000 | 22,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,994,000 | 4,021,000 | 5,940,000 | 7,874,000 |
| Interest expense | 440,000 | 820,000 | 1,185,000 | 1,530,000 |
| Net interest income | 1,554,000 | 3,201,000 | 4,755,000 | 6,344,000 |
| Noninterest income | 154,000 | 476,000 | 766,000 | 1,009,000 |
| Noninterest expense | 911,000 | 1,708,000 | 2,519,000 | 3,406,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 797,000 | 1,969,000 | 3,002,000 | 3,847,000 |
| Income tax | 145,000 | 431,000 | 670,000 | 843,000 |
| Net income | 652,000 | 1,538,000 | 2,332,000 | 3,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,063,000 | 20,628,000 | 21,101,000 | 20,489,000 |
| Total capital | 21,103,000 | 21,541,000 | 22,035,000 | 21,506,000 |
| Risk-weighted assets | 125,487,000 | 120,607,000 | 119,936,000 | 124,288,000 |
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