Call reports 2001
CITIZENS' BANK OF CHARLESTON — 2001
What CITIZENS' BANK OF CHARLESTON reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 67,895,000 | 68,134,000 | 70,462,000 | 69,572,000 |
| Total loans | 39,357,000 | 43,089,000 | 41,789,000 | 40,906,000 |
| Allowance for loan losses | 603,000 | 662,000 | 665,000 | 657,000 |
| Securities available for sale | 20,577,000 | 18,824,000 | 20,897,000 | 22,744,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,377,000 | 59,372,000 | 61,278,000 | 60,409,000 |
| Interest-bearing deposits | 51,374,000 | 51,015,000 | 52,312,000 | 51,374,000 |
| Noninterest-bearing deposits | 8,003,000 | 8,357,000 | 8,966,000 | 9,035,000 |
| Equity capital | 8,082,000 | 8,306,000 | 8,684,000 | 8,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,226,000 | 2,471,000 | 3,721,000 | 4,901,000 |
| Interest expense | 630,000 | 1,260,000 | 1,849,000 | 2,361,000 |
| Net interest income | 596,000 | 1,211,000 | 1,872,000 | 2,540,000 |
| Noninterest income | 61,000 | 122,000 | 195,000 | 247,000 |
| Noninterest expense | 379,000 | 737,000 | 1,080,000 | 1,573,000 |
| Provision for loan losses | 30,000 | 60,000 | 68,000 | 78,000 |
| Pretax income | 248,000 | 536,000 | 919,000 | 1,152,000 |
| Income tax | 57,000 | 126,000 | 231,000 | 299,000 |
| Net income | 191,000 | 410,000 | 688,000 | 853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,940,000 | 8,159,000 | 8,437,000 | 8,302,000 |
| Total capital | 8,543,000 | 8,798,000 | 9,102,000 | 8,938,000 |
| Risk-weighted assets | 47,903,000 | 51,090,000 | 57,888,000 | 50,796,000 |