Call reports 2012
FIRST BANK OF CHARLESTON, INC. — 2012
What FIRST BANK OF CHARLESTON, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 185,118,000 | 195,200,000 | 199,842,000 | 205,480,000 |
| Total loans | 130,892,000 | 139,546,000 | 140,000,000 | 145,973,000 |
| Allowance for loan losses | 1,844,000 | 1,997,000 | 2,146,000 | 2,414,000 |
| Securities available for sale | 44,586,000 | 47,153,000 | 50,038,000 | 51,033,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,876,000 | 155,124,000 | 145,878,000 | 145,854,000 |
| Interest-bearing deposits | 135,789,000 | 141,277,000 | 129,783,000 | 131,030,000 |
| Noninterest-bearing deposits | 12,087,000 | 13,847,000 | 16,095,000 | 14,824,000 |
| Equity capital | 20,130,000 | 20,674,000 | 21,271,000 | 21,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,215,000 | 4,402,000 | 6,798,000 | 9,291,000 |
| Interest expense | 449,000 | 890,000 | 1,291,000 | 1,601,000 |
| Net interest income | 1,766,000 | 3,512,000 | 5,507,000 | 7,690,000 |
| Noninterest income | 89,000 | 257,000 | 321,000 | 440,000 |
| Noninterest expense | 796,000 | 1,584,000 | 2,416,000 | 3,140,000 |
| Provision for loan losses | 200,000 | 350,000 | 500,000 | 675,000 |
| Pretax income | 859,000 | 1,835,000 | 2,912,000 | 4,314,000 |
| Income tax | 358,000 | 761,000 | 1,210,000 | 1,806,000 |
| Net income | 501,000 | 1,074,000 | 1,702,000 | 2,508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,772,000 | 20,200,000 | 20,684,000 | 21,345,000 |
| Total capital | 21,257,000 | 21,916,000 | 22,523,000 | 23,168,000 |
| Risk-weighted assets | 139,668,000 | 147,453,000 | 148,989,000 | 154,638,000 |