This institution is no longer active

Operations ceased on July 20, 2012. CRA examination history below reflects the period it was active.

FIRST CHEROKEE STATE BANK

WOODSTOCK, GA · Supervised by FDIC

Est. 1989FDIC #32,711RSSD: FDIC-32711

Part ofACRU INC→ View all charters

Satisfactory

Current rating · Exam: October 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -4.23%

Institution Profile

FDIC BankFind

Address

9860 Highway 92, WOODSTOCK, GA

County

Cherokee County

Established

November 27, 1989

Total Assets

$209M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2009

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 16 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2012Call Report / FDIC

Total Assets

$209M

Total Deposits

$182M

Net Loans

$128M

Net Income

$-4,612K

ROA

-4.23%

ROE

-347.77%

Risk-Based Capital

0.28%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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