Call reports 2009
FIRST CHEROKEE STATE BANK — 2009
What FIRST CHEROKEE STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 312,736,000 | 299,852,000 | 284,925,000 | 274,623,000 |
| Total loans | 198,971,000 | 190,857,000 | 184,785,000 | 178,540,000 |
| Allowance for loan losses | 7,298,000 | 5,772,000 | 6,394,000 | 8,199,000 |
| Securities available for sale | 25,684,000 | 20,839,000 | 19,989,000 | 19,008,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,182,000 | 245,108,000 | 233,505,000 | 228,218,000 |
| Interest-bearing deposits | 221,853,000 | 210,536,000 | 199,757,000 | 196,645,000 |
| Noninterest-bearing deposits | 37,329,000 | 34,572,000 | 33,748,000 | 31,573,000 |
| Equity capital | 15,761,000 | 19,164,000 | 16,093,000 | 10,935,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,250,000 | 6,159,000 | 9,072,000 | 11,777,000 |
| Interest expense | 1,712,000 | 3,288,000 | 4,748,000 | 6,216,000 |
| Net interest income | 1,538,000 | 2,871,000 | 4,324,000 | 5,561,000 |
| Noninterest income | 287,000 | 394,000 | -350,000 | -2,644,000 |
| Noninterest expense | 2,796,000 | 3,664,000 | 6,303,000 | 9,361,000 |
| Provision for loan losses | 235,000 | 665,000 | 2,390,000 | 5,224,000 |
| Pretax income | -1,174,000 | -954,000 | -4,619,000 | -11,569,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,174,000 | -954,000 | -4,619,000 | -11,569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,274,000 | 19,817,000 | 16,158,000 | 11,709,000 |
| Total capital | 19,270,000 | 22,582,000 | 18,839,000 | 14,272,000 |
| Risk-weighted assets | 235,379,000 | 218,192,000 | 210,765,000 | 199,389,000 |
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