Call reports 2017
FIRST BANK OF CHARLESTON, INC. — 2017
What FIRST BANK OF CHARLESTON, INC. reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 195,645,000 | 190,364,000 | 192,232,000 | 189,161,000 |
| Total loans | 142,543,000 | 140,367,000 | 139,346,000 | 134,488,000 |
| Allowance for loan losses | 1,489,000 | 1,551,000 | 1,990,000 | 1,662,000 |
| Securities available for sale | 39,208,000 | 38,688,000 | 42,950,000 | 40,764,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,815,000 | 151,671,000 | 148,502,000 | 146,790,000 |
| Interest-bearing deposits | 138,376,000 | 133,630,000 | 132,866,000 | 129,655,000 |
| Noninterest-bearing deposits | 15,439,000 | 18,041,000 | 15,636,000 | 17,134,000 |
| Equity capital | 22,009,000 | 22,538,000 | 22,469,000 | 22,209,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,906,000 | 3,881,000 | 5,791,000 | 7,654,000 |
| Interest expense | 306,000 | 632,000 | 972,000 | 1,328,000 |
| Net interest income | 1,600,000 | 3,249,000 | 4,819,000 | 6,326,000 |
| Noninterest income | 117,000 | 218,000 | 331,000 | 412,000 |
| Noninterest expense | 968,000 | 1,898,000 | 2,901,000 | 3,846,000 |
| Provision for loan losses | 140,000 | 230,000 | 635,000 | 1,185,000 |
| Pretax income | 609,000 | 1,339,000 | 1,611,000 | 1,680,000 |
| Income tax | 252,000 | 546,000 | 666,000 | 574,000 |
| Net income | 357,000 | 793,000 | 945,000 | 1,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,764,000 | 22,624,000 | 22,571,000 | 22,593,000 |
| Total capital | 23,253,000 | 24,175,000 | 24,347,000 | 24,255,000 |
| Risk-weighted assets | 143,009,000 | 140,935,000 | 141,947,000 | 135,038,000 |