Call reports 2013
CHEROKEE STATE BANK — 2013
What CHEROKEE STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 188,327,000 | 181,220,000 | 183,606,000 | 187,906,000 |
| Total loans | 94,592,000 | 97,194,000 | 96,083,000 | 106,002,000 |
| Allowance for loan losses | 1,028,000 | 1,025,000 | 961,000 | 977,000 |
| Securities available for sale | 77,914,000 | 75,739,000 | 74,392,000 | 73,188,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,763,000 | 157,453,000 | 159,332,000 | 157,454,000 |
| Interest-bearing deposits | 145,490,000 | 142,970,000 | 144,114,000 | 140,613,000 |
| Noninterest-bearing deposits | 16,273,000 | 14,483,000 | 15,218,000 | 16,841,000 |
| Equity capital | 22,643,000 | 20,618,000 | 20,329,000 | 19,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,877,000 | 3,737,000 | 5,607,000 | 7,497,000 |
| Interest expense | 314,000 | 610,000 | 893,000 | 1,147,000 |
| Net interest income | 1,563,000 | 3,127,000 | 4,714,000 | 6,350,000 |
| Noninterest income | 184,000 | 354,000 | 618,000 | 859,000 |
| Noninterest expense | 725,000 | 1,580,000 | 2,439,000 | 3,289,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,050,000 | 1,929,000 | 2,921,000 | 3,858,000 |
| Income tax | 260,000 | 462,000 | 708,000 | 933,000 |
| Net income | 790,000 | 1,467,000 | 2,213,000 | 2,925,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,877,000 | 21,152,000 | 21,497,000 | 21,165,000 |
| Total capital | 21,905,000 | 22,177,000 | 22,458,000 | 22,142,000 |
| Risk-weighted assets | 119,507,000 | 119,702,000 | 121,246,000 | 129,913,000 |
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