Call reports 2011
FIRST BANK OF CHARLESTON, INC. — 2011
What FIRST BANK OF CHARLESTON, INC. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 171,309,000 | 167,537,000 | 174,660,000 | 184,282,000 |
| Total loans | 128,142,000 | 128,644,000 | 129,274,000 | 131,219,000 |
| Allowance for loan losses | 1,920,000 | 1,903,000 | 1,929,000 | 1,690,000 |
| Securities available for sale | 30,777,000 | 30,861,000 | 36,907,000 | 44,185,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,535,000 | 124,075,000 | 135,306,000 | 143,510,000 |
| Interest-bearing deposits | 117,192,000 | 113,557,000 | 124,452,000 | 131,890,000 |
| Noninterest-bearing deposits | 12,343,000 | 10,518,000 | 10,854,000 | 11,620,000 |
| Equity capital | 18,349,000 | 19,126,000 | 19,213,000 | 19,627,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,236,000 | 4,445,000 | 6,687,000 | 8,920,000 |
| Interest expense | 495,000 | 966,000 | 1,426,000 | 1,891,000 |
| Net interest income | 1,741,000 | 3,479,000 | 5,261,000 | 7,029,000 |
| Noninterest income | 133,000 | 302,000 | 439,000 | 575,000 |
| Noninterest expense | 787,000 | 1,555,000 | 2,357,000 | 3,163,000 |
| Provision for loan losses | 375,000 | 675,000 | 900,000 | 1,050,000 |
| Pretax income | 710,000 | 1,549,000 | 2,441,000 | 3,389,000 |
| Income tax | 305,000 | 656,000 | 1,030,000 | 1,360,000 |
| Net income | 405,000 | 893,000 | 1,411,000 | 2,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,279,000 | 18,639,000 | 18,889,000 | 19,394,000 |
| Total capital | 19,848,000 | 20,180,000 | 20,595,000 | 20,884,000 |
| Risk-weighted assets | 125,057,000 | 122,968,000 | 136,324,000 | 140,926,000 |