Call reports 2003
FIRST CHEROKEE STATE BANK — 2003
What FIRST CHEROKEE STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 174,997,000 | 173,176,000 | 174,463,000 | 190,578,000 |
| Total loans | 145,029,000 | 145,204,000 | 147,406,000 | 160,388,000 |
| Allowance for loan losses | 2,249,000 | 2,085,000 | 2,089,000 | 2,139,000 |
| Securities available for sale | 4,659,000 | 4,001,000 | 4,906,000 | 5,688,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,326,000 | 153,568,000 | 152,083,000 | 171,917,000 |
| Interest-bearing deposits | 128,860,000 | 127,397,000 | 123,946,000 | 142,522,000 |
| Noninterest-bearing deposits | 28,466,000 | 26,171,000 | 28,137,000 | 29,395,000 |
| Equity capital | 16,883,000 | 17,215,000 | 17,399,000 | 17,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,776,000 | 5,481,000 | 8,090,000 | 10,644,000 |
| Interest expense | 956,000 | 1,751,000 | 2,435,000 | 3,053,000 |
| Net interest income | 1,820,000 | 3,730,000 | 5,655,000 | 7,591,000 |
| Noninterest income | 457,000 | 1,010,000 | 1,393,000 | 1,884,000 |
| Noninterest expense | 1,848,000 | 3,871,000 | 5,938,000 | 8,214,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 429,000 | 869,000 | 1,110,000 | 1,161,000 |
| Income tax | 115,000 | 223,000 | 255,000 | 216,000 |
| Net income | 314,000 | 646,000 | 855,000 | 945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,873,000 | 17,204,000 | 17,413,000 | 17,503,000 |
| Total capital | 18,747,000 | 19,062,000 | 19,308,000 | 19,631,000 |
| Risk-weighted assets | 149,452,000 | 148,446,000 | 151,380,000 | 170,195,000 |
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