Call reports 2005
CITIZENS' BANK OF CHARLESTON — 2005
What CITIZENS' BANK OF CHARLESTON reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 73,637,000 | 76,237,000 | 77,264,000 | 76,503,000 |
| Total loans | 52,606,000 | 58,529,000 | 59,589,000 | 59,344,000 |
| Allowance for loan losses | 863,000 | 843,000 | 858,000 | 870,000 |
| Securities available for sale | 14,292,000 | 13,062,000 | 11,544,000 | 10,906,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,694,000 | 58,640,000 | 57,253,000 | 62,781,000 |
| Interest-bearing deposits | 50,865,000 | 46,613,000 | 46,351,000 | 48,705,000 |
| Noninterest-bearing deposits | 11,829,000 | 12,027,000 | 10,902,000 | 14,076,000 |
| Equity capital | 10,642,000 | 11,022,000 | 11,358,000 | 11,051,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,040,000 | 2,160,000 | 3,356,000 | 4,529,000 |
| Interest expense | 225,000 | 489,000 | 827,000 | 1,145,000 |
| Net interest income | 815,000 | 1,671,000 | 2,529,000 | 3,384,000 |
| Noninterest income | 93,000 | 178,000 | 309,000 | 406,000 |
| Noninterest expense | 417,000 | 812,000 | 1,222,000 | 1,880,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 461,000 | 977,000 | 1,526,000 | 1,790,000 |
| Income tax | 149,000 | 318,000 | 501,000 | 604,000 |
| Net income | 312,000 | 659,000 | 1,025,000 | 1,186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,654,000 | 11,001,000 | 11,367,000 | 11,117,000 |
| Total capital | 11,396,000 | 11,806,000 | 12,185,000 | 11,943,000 |
| Risk-weighted assets | 59,378,000 | 64,441,000 | 65,461,000 | 66,123,000 |