Call reports 2006
CITIZENS' BANK OF CHARLESTON — 2006
What CITIZENS' BANK OF CHARLESTON reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 75,613,000 | 75,865,000 | 78,740,000 | 79,899,000 |
| Total loans | 57,193,000 | 60,451,000 | 63,550,000 | 63,467,000 |
| Allowance for loan losses | 907,000 | 939,000 | 957,000 | 951,000 |
| Securities available for sale | 9,418,000 | 8,919,000 | 8,554,000 | 7,651,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,836,000 | 59,773,000 | 59,681,000 | 65,159,000 |
| Interest-bearing deposits | 50,501,000 | 48,607,000 | 51,114,000 | 52,409,000 |
| Noninterest-bearing deposits | 13,335,000 | 11,166,000 | 8,567,000 | 12,750,000 |
| Equity capital | 11,357,000 | 11,710,000 | 12,159,000 | 11,927,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,229,000 | 2,496,000 | 3,859,000 | 5,217,000 |
| Interest expense | 337,000 | 713,000 | 1,192,000 | 1,651,000 |
| Net interest income | 892,000 | 1,783,000 | 2,667,000 | 3,566,000 |
| Noninterest income | 74,000 | 148,000 | 236,000 | 329,000 |
| Noninterest expense | 396,000 | 757,000 | 1,116,000 | 1,787,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 540,000 | 1,114,000 | 1,697,000 | 1,988,000 |
| Income tax | 185,000 | 383,000 | 573,000 | 659,000 |
| Net income | 355,000 | 731,000 | 1,124,000 | 1,329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,447,000 | 11,597,000 | 12,216,000 | 11,981,000 |
| Total capital | 12,230,000 | 12,442,000 | 13,081,000 | 12,839,000 |
| Risk-weighted assets | 62,851,000 | 67,666,000 | 69,173,000 | 68,615,000 |