Call reports 2018
BANK OF CHARLOTTE COUNTY, THE — 2018
What BANK OF CHARLOTTE COUNTY, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 140,422,000 | 141,201,000 | 134,604,000 | 135,384,000 |
| Total loans | 103,011,000 | 104,348,000 | 104,106,000 | 104,313,000 |
| Allowance for loan losses | 1,149,000 | 1,244,000 | 1,236,000 | 1,307,000 |
| Securities available for sale | 18,927,000 | 20,123,000 | 19,878,000 | 20,126,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,426,000 | 121,044,000 | 113,869,000 | 114,763,000 |
| Interest-bearing deposits | 87,401,000 | 87,423,000 | 80,216,000 | 79,277,000 |
| Noninterest-bearing deposits | 33,025,000 | 33,621,000 | 33,653,000 | 35,486,000 |
| Equity capital | 19,705,000 | 20,108,000 | 20,569,000 | 20,508,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,693,000 | 3,343,000 | 5,012,000 | 6,672,000 |
| Interest expense | 162,000 | 312,000 | 461,000 | 602,000 |
| Net interest income | 1,531,000 | 3,031,000 | 4,551,000 | 6,070,000 |
| Noninterest income | 102,000 | 213,000 | 320,000 | 499,000 |
| Noninterest expense | 950,000 | 1,907,000 | 2,838,000 | 3,866,000 |
| Provision for loan losses | 0 | 75,000 | 75,000 | 150,000 |
| Pretax income | 683,000 | 1,263,000 | 1,959,000 | 2,552,000 |
| Income tax | 120,000 | 228,000 | 371,000 | 475,000 |
| Net income | 563,000 | 1,035,000 | 1,588,000 | 2,077,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,795,000 | 20,267,000 | 20,820,000 | 20,609,000 |
| Total capital | 20,944,000 | 21,492,000 | 22,034,000 | 21,829,000 |
| Risk-weighted assets | 95,796,000 | 98,036,000 | 97,108,000 | 97,551,000 |