Call reports 2010
CHESTATEE STATE BANK — 2010
What CHESTATEE 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 |
|---|---|---|---|
| Total assets | 267,348,000 | 258,387,000 | 244,376,000 |
| Total loans | 183,538,000 | 181,334,000 | 170,605,000 |
| Allowance for loan losses | 4,132,000 | 4,878,000 | 3,259,000 |
| Securities available for sale | 26,425,000 | 24,987,000 | 13,843,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 252,636,000 | 247,138,000 | 240,476,000 |
| Interest-bearing deposits | 235,335,000 | 231,740,000 | 226,219,000 |
| Noninterest-bearing deposits | 17,301,000 | 15,399,000 | 14,256,000 |
| Equity capital | 11,528,000 | 9,375,000 | 2,124,000 |
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 |
|---|---|---|---|
| Interest income | 2,644,000 | 5,212,000 | 7,661,000 |
| Interest expense | 1,431,000 | 2,762,000 | 4,011,000 |
| Net interest income | 1,213,000 | 2,450,000 | 3,650,000 |
| Noninterest income | 177,000 | 397,000 | -1,544,000 |
| Noninterest expense | 2,568,000 | 5,023,000 | 7,248,000 |
| Provision for loan losses | 524,000 | 1,972,000 | 6,307,000 |
| Pretax income | -1,702,000 | -4,128,000 | -11,104,000 |
| Income tax | 0 | 0 | 0 |
| Net income | -1,702,000 | -4,128,000 | -11,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 |
|---|---|---|---|
| Tier 1 capital | 11,559,000 | 9,134,000 | 2,158,000 |
| Total capital | 14,367,000 | 11,857,000 | 4,316,000 |
| Risk-weighted assets | 223,335,000 | 215,643,000 | 208,869,000 |