Call reports 2007
FIRST BANK OF CHARLESTON, INC. — 2007
What FIRST BANK OF CHARLESTON, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 119,140,000 | 121,147,000 | 121,003,000 | 120,262,000 |
| Total loans | 92,925,000 | 98,391,000 | 102,588,000 | 103,806,000 |
| Allowance for loan losses | 1,077,000 | 1,185,000 | 1,288,000 | 1,373,000 |
| Securities available for sale | 13,492,000 | 14,404,000 | 12,053,000 | 9,370,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,217,000 | 106,489,000 | 105,367,000 | 104,403,000 |
| Interest-bearing deposits | 97,691,000 | 97,157,000 | 97,787,000 | 95,557,000 |
| Noninterest-bearing deposits | 8,526,000 | 9,332,000 | 7,580,000 | 8,846,000 |
| Equity capital | 9,289,000 | 9,433,000 | 9,768,000 | 10,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,889,000 | 3,943,000 | 6,223,000 | 8,403,000 |
| Interest expense | 1,076,000 | 2,243,000 | 3,457,000 | 4,632,000 |
| Net interest income | 813,000 | 1,700,000 | 2,766,000 | 3,771,000 |
| Noninterest income | 129,000 | 265,000 | 275,000 | 366,000 |
| Noninterest expense | 552,000 | 1,083,000 | 1,631,000 | 2,228,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 450,000 |
| Pretax income | 270,000 | 642,000 | 1,050,000 | 1,459,000 |
| Income tax | 108,000 | 275,000 | 437,000 | 589,000 |
| Net income | 162,000 | 367,000 | 613,000 | 870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,289,000 | 9,490,000 | 9,737,000 | 9,958,000 |
| Total capital | 10,366,000 | 10,613,000 | 10,912,000 | 11,135,000 |
| Risk-weighted assets | 86,164,000 | 89,811,000 | 93,910,000 | 94,392,000 |
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