Call reports 2025
CHEROKEE STATE BANK — 2025
What CHEROKEE STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 264,683,000 | 260,300,000 | 263,874,000 | 271,249,000 |
| Total loans | 172,352,000 | 173,037,000 | 173,668,000 | 183,734,000 |
| Allowance for loan losses | 1,981,000 | 2,006,000 | 2,030,000 | 2,031,000 |
| Securities available for sale | 72,316,000 | 72,462,000 | 74,414,000 | 71,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,674,000 | 215,664,000 | 212,556,000 | 211,782,000 |
| Interest-bearing deposits | 194,175,000 | 192,075,000 | 188,372,000 | 185,766,000 |
| Noninterest-bearing deposits | 24,499,000 | 23,589,000 | 24,184,000 | 26,016,000 |
| Equity capital | 23,909,000 | 24,577,000 | 26,384,000 | 26,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,052,000 | 6,249,000 | 9,432,000 | 12,670,000 |
| Interest expense | 1,480,000 | 2,970,000 | 4,427,000 | 5,840,000 |
| Net interest income | 1,572,000 | 3,279,000 | 5,005,000 | 6,830,000 |
| Noninterest income | 236,000 | 852,000 | 1,124,000 | 1,609,000 |
| Noninterest expense | 1,390,000 | 2,756,000 | 4,071,000 | 5,597,000 |
| Provision for loan losses | 26,000 | 51,000 | 77,000 | 85,000 |
| Pretax income | 363,000 | 1,311,000 | 1,976,000 | 2,695,000 |
| Income tax | 63,000 | 266,000 | 402,000 | 526,000 |
| Net income | 300,000 | 1,045,000 | 1,574,000 | 2,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,374,000 | 33,813,000 | 34,038,000 | 34,279,000 |
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