Call reports 2014
CHEROKEE STATE BANK — 2014
What CHEROKEE STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 187,358,000 | 188,176,000 | 191,657,000 | 195,773,000 |
| Total loans | 101,607,000 | 107,546,000 | 110,194,000 | 119,268,000 |
| Allowance for loan losses | 1,009,000 | 1,053,000 | 1,137,000 | 1,146,000 |
| Securities available for sale | 73,550,000 | 74,158,000 | 74,296,000 | 70,264,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,589,000 | 155,747,000 | 160,808,000 | 164,312,000 |
| Interest-bearing deposits | 148,896,000 | 140,711,000 | 146,657,000 | 148,531,000 |
| Noninterest-bearing deposits | 14,693,000 | 15,036,000 | 14,151,000 | 15,781,000 |
| Equity capital | 20,641,000 | 21,843,000 | 22,522,000 | 22,830,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,862,000 | 3,763,000 | 5,690,000 | 7,633,000 |
| Interest expense | 223,000 | 432,000 | 635,000 | 840,000 |
| Net interest income | 1,639,000 | 3,331,000 | 5,055,000 | 6,793,000 |
| Noninterest income | 204,000 | 386,000 | 615,000 | 958,000 |
| Noninterest expense | 855,000 | 1,640,000 | 2,503,000 | 3,341,000 |
| Provision for loan losses | 30,000 | 60,000 | 130,000 | 140,000 |
| Pretax income | 958,000 | 2,017,000 | 3,037,000 | 4,102,000 |
| Income tax | 209,000 | 487,000 | 752,000 | 901,000 |
| Net income | 749,000 | 1,530,000 | 2,285,000 | 3,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,513,000 | 21,893,000 | 22,247,000 | 21,958,000 |
| Total capital | 22,522,000 | 22,946,000 | 23,384,000 | 23,104,000 |
| Risk-weighted assets | 125,509,000 | 130,200,000 | 132,689,000 | 141,459,000 |
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