Call reports 2010
FIRST CHEROKEE STATE BANK — 2010
What FIRST CHEROKEE STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 254,121,000 | 249,400,000 | 248,842,000 | 248,175,000 |
| Total loans | 170,652,000 | 164,544,000 | 160,955,000 | 160,279,000 |
| Allowance for loan losses | 5,413,000 | 5,219,000 | 5,121,000 | 4,328,000 |
| Securities available for sale | 21,802,000 | 22,163,000 | 17,407,000 | 16,587,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,281,000 | 210,770,000 | 210,566,000 | 211,619,000 |
| Interest-bearing deposits | 186,528,000 | 174,576,000 | 175,900,000 | 179,354,000 |
| Noninterest-bearing deposits | 30,753,000 | 36,194,000 | 34,666,000 | 32,265,000 |
| Equity capital | 10,742,000 | 12,075,000 | 11,713,000 | 10,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,642,000 | 5,275,000 | 7,787,000 | 10,253,000 |
| Interest expense | 1,214,000 | 2,276,000 | 3,249,000 | 4,201,000 |
| Net interest income | 1,428,000 | 2,999,000 | 4,538,000 | 6,052,000 |
| Noninterest income | 575,000 | 1,094,000 | 1,419,000 | 1,233,000 |
| Noninterest expense | 2,515,000 | 5,954,000 | 8,532,000 | 11,540,000 |
| Provision for loan losses | 186,000 | 187,000 | 436,000 | 1,197,000 |
| Pretax income | -698,000 | -2,048,000 | -2,921,000 | -5,362,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -698,000 | -2,048,000 | -2,921,000 | -5,362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,005,000 | 12,005,000 | 11,782,000 | 10,589,000 |
| Total capital | 13,457,000 | 14,418,000 | 14,122,000 | 12,909,000 |
| Risk-weighted assets | 193,216,000 | 190,208,000 | 184,467,000 | 183,592,000 |
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