Call reports 2005
FIRST BANK OF CHARLESTON, INC. — 2005
What FIRST BANK OF CHARLESTON, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 75,234,000 | 76,012,000 | 82,650,000 | 91,061,000 |
| Total loans | 54,872,000 | 61,665,000 | 67,479,000 | 73,023,000 |
| Allowance for loan losses | 535,000 | 610,000 | 654,000 | 719,000 |
| Securities available for sale | 7,872,000 | 8,395,000 | 8,890,000 | 8,369,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,249,000 | 68,671,000 | 73,008,000 | 82,240,000 |
| Interest-bearing deposits | 63,365,000 | 63,311,000 | 67,997,000 | 74,930,000 |
| Noninterest-bearing deposits | 4,884,000 | 5,360,000 | 5,011,000 | 7,310,000 |
| Equity capital | 6,554,000 | 6,652,000 | 6,748,000 | 8,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 870,000 | 1,888,000 | 3,062,000 | 4,339,000 |
| Interest expense | 409,000 | 879,000 | 1,425,000 | 2,050,000 |
| Net interest income | 461,000 | 1,009,000 | 1,637,000 | 2,289,000 |
| Noninterest income | 55,000 | 58,000 | 152,000 | 276,000 |
| Noninterest expense | 429,000 | 842,000 | 1,286,000 | 1,866,000 |
| Provision for loan losses | 45,000 | 120,000 | 180,000 | 265,000 |
| Pretax income | 42,000 | 105,000 | 323,000 | 434,000 |
| Income tax | 21,000 | 31,000 | 149,000 | 166,000 |
| Net income | 21,000 | 74,000 | 174,000 | 268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,089,000 | 6,063,000 | 6,858,000 | 8,445,000 |
| Total capital | 6,624,000 | 6,673,000 | 7,512,000 | 9,164,000 |
| Risk-weighted assets | 54,699,000 | 57,886,000 | 63,678,000 | 68,819,000 |
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