Call reports 2003
FIRST BANK OF CHARLESTON, INC. — 2003
What FIRST BANK OF CHARLESTON, INC. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|
| Total assets | 12,079,000 | 19,848,000 | 33,583,000 |
| Total loans | 714,000 | 7,140,000 | 14,390,000 |
| Allowance for loan losses | 10,000 | 55,000 | 150,000 |
| Securities available for sale | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 253,000 | 0 |
| Total deposits | 4,696,000 | 12,411,000 | 26,254,000 |
| Interest-bearing deposits | 4,151,000 | 11,402,000 | 24,223,000 |
| Noninterest-bearing deposits | 545,000 | 1,009,000 | 2,031,000 |
| Equity capital | 7,379,000 | 7,401,000 | 7,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|
| Interest income | 17,000 | 91,000 | 264,000 |
| Interest expense | 3,000 | 51,000 | 163,000 |
| Net interest income | 14,000 | 40,000 | 101,000 |
| Noninterest income | 0 | 3,000 | 9,000 |
| Noninterest expense | 432,000 | 659,000 | 975,000 |
| Provision for loan losses | 10,000 | 55,000 | 150,000 |
| Pretax income | -428,000 | -671,000 | -1,015,000 |
| Income tax | 0 | -265,000 | -368,000 |
| Net income | -428,000 | -406,000 | -647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|
| Tier 1 capital | 7,379,000 | 7,401,000 | 6,791,000 |
| Total capital | 7,389,000 | 7,456,000 | 6,941,000 |
| Risk-weighted assets | 4,358,000 | 10,428,000 | 19,359,000 |
Machine access — free, no API key
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