Call reports 2010
CITIZENS' BANK OF CHARLESTON — 2010
What CITIZENS' BANK OF CHARLESTON reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 100,215,000 | 99,157,000 | 99,170,000 | 103,939,000 |
| Total loans | 69,644,000 | 76,594,000 | 78,870,000 | 78,239,000 |
| Allowance for loan losses | 1,189,000 | 1,177,000 | 1,196,000 | 1,179,000 |
| Securities available for sale | 9,025,000 | 7,484,000 | 7,173,000 | 10,210,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,822,000 | 85,284,000 | 84,848,000 | 89,495,000 |
| Interest-bearing deposits | 63,819,000 | 73,103,000 | 71,823,000 | 71,268,000 |
| Noninterest-bearing deposits | 23,003,000 | 12,181,000 | 13,025,000 | 18,227,000 |
| Equity capital | 13,294,000 | 13,675,000 | 14,138,000 | 13,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,205,000 | 2,471,000 | 3,821,000 | 5,131,000 |
| Interest expense | 268,000 | 522,000 | 767,000 | 1,005,000 |
| Net interest income | 937,000 | 1,949,000 | 3,054,000 | 4,126,000 |
| Noninterest income | 147,000 | 267,000 | 403,000 | 574,000 |
| Noninterest expense | 522,000 | 1,071,000 | 1,623,000 | 2,355,000 |
| Provision for loan losses | 626,000 | 671,000 | 716,000 | 731,000 |
| Pretax income | -64,000 | 474,000 | 1,118,000 | 1,614,000 |
| Income tax | -46,000 | 142,000 | 366,000 | 523,000 |
| Net income | -18,000 | 332,000 | 752,000 | 1,091,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,269,000 | 13,619,000 | 14,039,000 | 13,919,000 |
| Total capital | 14,264,000 | 14,675,000 | 15,091,000 | 15,011,000 |
| Risk-weighted assets | 79,521,000 | 84,383,000 | 84,057,000 | 87,312,000 |