Vitals
  • Total Assets
    209.0M -14.3 %
  • Total Deposits
    182.1M -12.4 %
  • Total Net Loans
    127.7M -13.8 %
  • Net Income
    -4612000.0000 -61.6 %
  • Book Value
    315000.0000 -96.5 %
  • Book Value x2
    630000.0000 -96.5 %
  • Book Value x3
    945000.0000 -96.5 %
ROAA

-4.173

ROAE

-347.769

Efficiency Ratio

156.764

Net Interest Margin

3.288

Balance Sheet Highlights
Financial Highlights First Cherokee State Bank All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 209,021 204,442
Total Net Loans 127,699 122,569
Total Deposits 182,114 177,533
Total Equity 315 19,223
Profitability
Net Income -4,612 440
Return on Average Assets -4.173 .383
Return on Average Equity -347.769 2.59
Net Interest Margin 3.288 3.832
Efficiency Ratio 156.764 79.256
Noninterest Income/Revenue 18.588 14.649
Balance Sheet Ratios
Loan-to-Deposit 70.12 68.262
Securities/Assets .075 .18
Total Equity/Total Assets .002 .094
Tangible Equity/Tangible Assets .001 .093
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 206 17,678
Tier 2 Capital 206 1,615
Total Capital 412 19,340
Total Risk Weighted Assets 148,714 133,192
Leverage Ratio .09 9.239
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio .14 14.627
Total Capital Ratio .28 15.865

Timeline for First Cherokee State Bank

Community & Southern Bank

First Cherokee State Bank was acquired by Community & Southern Bank 11 years

View Profile Jul 21 2012

First Cherokee Technology, Inc.

First Cherokee Technology, Inc. became a new subsidiary organization for First Cherokee State Bank.

View Profile Jan 01 2004

Elizabeth Station, Llc

Elizabeth Station, Llc became a new subsidiary organization for First Cherokee State Bank.

View Profile May 31 2001

Acru Wealth, Llc

Acru Wealth, Llc became a new subsidiary organization for First Cherokee State Bank.

View Profile Dec 15 2000

United Federal Savings Bank

Acquisition: First Cherokee State Bank acquired a new subsidiary, United Federal Savings Bank, 32 years

View Profile Mar 28 1992

Want to see more?

Complete timeline for First Cherokee State Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Community & Southern Bank Buyer 3,948,965 Failure 7/21/2012
United Federal Savings Bank Seller 101,910 Failure 3/28/1992
Relationships Role Relationship Start Relationship End
Acru, Inc. Parent 11/27/1989 7/20/2012
Acru Wealth, Llc Subsidary 3/9/2010 7/20/2012
Elizabeth Station, Llc Subsidary 5/31/2001 7/20/2012
First Cherokee Technology, Inc. Subsidary 6/30/2007 7/20/2012
Acru Wealth, Llc Subsidary 12/15/2000 3/8/2010
First Cherokee Technology, Inc. Subsidary 1/1/2004 6/29/2007
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