Call reports 2015
FIRST BANK OF CHARLESTON, INC. — 2015
What FIRST BANK OF CHARLESTON, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 212,643,000 | 206,762,000 | 203,165,000 | 198,542,000 |
| Total loans | 152,776,000 | 148,783,000 | 148,944,000 | 150,496,000 |
| Allowance for loan losses | 1,882,000 | 1,644,000 | 2,340,000 | 2,456,000 |
| Securities available for sale | 47,136,000 | 44,796,000 | 42,927,000 | 34,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,677,000 | 136,941,000 | 134,605,000 | 137,887,000 |
| Interest-bearing deposits | 131,621,000 | 119,664,000 | 119,279,000 | 122,309,000 |
| Noninterest-bearing deposits | 13,055,000 | 17,277,000 | 15,326,000 | 15,579,000 |
| Equity capital | 25,384,000 | 25,484,000 | 24,453,000 | 24,515,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,084,000 | 4,138,000 | 6,149,000 | 8,174,000 |
| Interest expense | 246,000 | 499,000 | 751,000 | 1,011,000 |
| Net interest income | 1,838,000 | 3,639,000 | 5,398,000 | 7,163,000 |
| Noninterest income | 133,000 | 259,000 | 374,000 | 470,000 |
| Noninterest expense | 894,000 | 1,856,000 | 2,801,000 | 3,856,000 |
| Provision for loan losses | 450,000 | 750,000 | 2,690,000 | 3,315,000 |
| Pretax income | 1,477,000 | 2,142,000 | 1,131,000 | 1,312,000 |
| Income tax | 609,000 | 899,000 | 798,000 | 637,000 |
| Net income | 868,000 | 1,243,000 | 333,000 | 675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,213,000 | 25,426,000 | 24,355,000 | 24,536,000 |
| Total capital | 26,943,000 | 26,714,000 | 26,183,000 | 26,404,000 |
| Risk-weighted assets | 138,293,000 | 102,676,000 | 145,720,000 | 148,867,000 |