Call reports 2004
FIRST BANK OF CHARLESTON, INC. — 2004
What FIRST BANK OF CHARLESTON, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 42,916,000 | 53,602,000 | 57,435,000 | 63,678,000 |
| Total loans | 22,448,000 | 34,757,000 | 42,715,000 | 49,005,000 |
| Allowance for loan losses | 220,000 | 355,000 | 430,000 | 505,000 |
| Securities available for sale | 6,000,000 | 5,884,000 | 8,995,000 | 7,953,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,820,000 | 46,743,000 | 49,394,000 | 56,674,000 |
| Interest-bearing deposits | 33,102,000 | 44,383,000 | 46,643,000 | 53,376,000 |
| Noninterest-bearing deposits | 2,718,000 | 2,360,000 | 2,751,000 | 3,298,000 |
| Equity capital | 6,962,000 | 6,675,000 | 6,705,000 | 6,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 273,000 | 725,000 | 1,349,000 | 2,100,000 |
| Interest expense | 192,000 | 457,000 | 768,000 | 1,120,000 |
| Net interest income | 81,000 | 268,000 | 581,000 | 980,000 |
| Noninterest income | 9,000 | 25,000 | 44,000 | 70,000 |
| Noninterest expense | 350,000 | 710,000 | 1,105,000 | 1,516,000 |
| Provision for loan losses | 70,000 | 205,000 | 280,000 | 355,000 |
| Pretax income | -330,000 | -622,000 | -760,000 | -821,000 |
| Income tax | -133,000 | -254,000 | -311,000 | -341,000 |
| Net income | -197,000 | -368,000 | -449,000 | -480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,438,000 | 6,146,000 | 6,008,000 | 5,947,000 |
| Total capital | 6,658,000 | 6,501,000 | 6,438,000 | 6,452,000 |
| Risk-weighted assets | 25,924,000 | 35,800,000 | 42,133,000 | 48,519,000 |
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