Call reports 2002
FIRST CHEROKEE STATE BANK — 2002
What FIRST CHEROKEE STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 186,580,000 | 192,682,000 | 187,479,000 | 187,918,000 |
| Total loans | 154,603,000 | 151,533,000 | 146,947,000 | 147,947,000 |
| Allowance for loan losses | 2,280,000 | 2,290,000 | 2,006,000 | 2,376,000 |
| Securities available for sale | 2,106,000 | 2,124,000 | 6,235,000 | 4,992,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,783,000 | 175,473,000 | 169,683,000 | 170,309,000 |
| Interest-bearing deposits | 147,205,000 | 154,301,000 | 146,891,000 | 143,483,000 |
| Noninterest-bearing deposits | 22,578,000 | 21,172,000 | 22,792,000 | 26,826,000 |
| Equity capital | 15,786,000 | 16,072,000 | 16,505,000 | 16,559,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,176,000 | 6,287,000 | 9,307,000 | 12,202,000 |
| Interest expense | 1,453,000 | 2,808,000 | 4,050,000 | 5,216,000 |
| Net interest income | 1,723,000 | 3,479,000 | 5,257,000 | 6,986,000 |
| Noninterest income | 383,000 | 877,000 | 1,383,000 | 1,923,000 |
| Noninterest expense | 1,960,000 | 3,829,000 | 5,749,000 | 7,572,000 |
| Provision for loan losses | 0 | 0 | -250,000 | 250,000 |
| Pretax income | 146,000 | 527,000 | 1,141,000 | 1,087,000 |
| Income tax | 53,000 | 159,000 | 338,000 | 225,000 |
| Net income | 93,000 | 368,000 | 803,000 | 862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,789,000 | 16,064,000 | 16,499,000 | 16,558,000 |
| Total capital | 17,724,000 | 17,997,000 | 18,397,000 | 18,479,000 |
| Risk-weighted assets | 154,301,000 | 154,193,000 | 151,743,000 | 153,090,000 |