Call reports 2001
FIRST CHEROKEE STATE BANK — 2001
What FIRST CHEROKEE STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 176,153,000 | 175,353,000 | 177,801,000 | 181,662,000 |
| Total loans | 151,538,000 | 152,885,000 | 156,952,000 | 156,959,000 |
| Allowance for loan losses | 2,121,000 | 2,144,000 | 2,148,000 | 2,297,000 |
| Securities available for sale | 1,018,000 | 1,773,000 | 1,771,000 | 1,912,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,840,000 | 157,951,000 | 162,429,000 | 165,975,000 |
| Interest-bearing deposits | 139,089,000 | 133,677,000 | 139,825,000 | 144,207,000 |
| Noninterest-bearing deposits | 22,751,000 | 24,274,000 | 22,604,000 | 21,768,000 |
| Equity capital | 13,203,000 | 13,555,000 | 13,935,000 | 14,297,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,927,000 | 7,753,000 | 11,542,000 | 14,960,000 |
| Interest expense | 1,925,000 | 3,822,000 | 5,661,000 | 7,311,000 |
| Net interest income | 2,002,000 | 3,931,000 | 5,881,000 | 7,649,000 |
| Noninterest income | 457,000 | 876,000 | 1,349,000 | 2,098,000 |
| Noninterest expense | 1,793,000 | 3,605,000 | 5,439,000 | 7,268,000 |
| Provision for loan losses | 67,000 | 67,000 | 67,000 | 317,000 |
| Pretax income | 599,000 | 1,135,000 | 1,724,000 | 2,162,000 |
| Income tax | 216,000 | 404,000 | 613,000 | 685,000 |
| Net income | 383,000 | 731,000 | 1,111,000 | 1,477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,168,000 | 13,512,000 | 13,913,000 | 14,296,000 |
| Total capital | 15,010,000 | 15,363,000 | 15,840,000 | 16,229,000 |
| Risk-weighted assets | 147,036,000 | 147,763,000 | 153,875,000 | 154,302,000 |