Call reports 2013
FIRST BANK OF CHARLESTON, INC. — 2013
What FIRST BANK OF CHARLESTON, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 203,762,000 | 204,504,000 | 201,319,000 | 206,219,000 |
| Total loans | 142,125,000 | 147,097,000 | 146,983,000 | 143,013,000 |
| Allowance for loan losses | 2,671,000 | 2,552,000 | 2,484,000 | 2,657,000 |
| Securities available for sale | 50,516,000 | 46,581,000 | 45,221,000 | 51,023,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,194,000 | 141,678,000 | 141,005,000 | 144,242,000 |
| Interest-bearing deposits | 15,277,000 | 127,805,000 | 127,136,000 | 129,681,000 |
| Noninterest-bearing deposits | 127,917,000 | 13,873,000 | 13,869,000 | 14,561,000 |
| Equity capital | 22,328,000 | 22,334,000 | 23,036,000 | 23,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,162,000 | 4,309,000 | 6,528,000 | 8,670,000 |
| Interest expense | 293,000 | 584,000 | 879,000 | 1,166,000 |
| Net interest income | 1,869,000 | 3,725,000 | 5,649,000 | 7,504,000 |
| Noninterest income | 115,000 | 223,000 | 356,000 | 493,000 |
| Noninterest expense | 864,000 | 1,636,000 | 2,494,000 | 3,327,000 |
| Provision for loan losses | 150,000 | 165,000 | 180,000 | 330,000 |
| Pretax income | 970,000 | 2,147,000 | 3,331,000 | 4,341,000 |
| Income tax | 403,000 | 893,000 | 1,383,000 | 1,660,000 |
| Net income | 567,000 | 1,254,000 | 1,948,000 | 2,681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,849,000 | 22,425,000 | 23,010,000 | 23,629,000 |
| Total capital | 23,179,000 | 24,193,000 | 24,949,000 | 25,568,000 |
| Risk-weighted assets | 149,257,000 | 156,825,000 | 153,818,000 | 154,473,000 |