Call reports 2011
CITIZENS' BANK OF CHARLESTON — 2011
What CITIZENS' BANK OF CHARLESTON reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 106,359,000 | 105,676,000 | 105,133,000 | 119,339,000 |
| Total loans | 76,247,000 | 81,606,000 | 84,598,000 | 75,264,000 |
| Allowance for loan losses | 1,275,000 | 1,337,000 | 1,343,000 | 1,425,000 |
| Securities available for sale | 10,931,000 | 11,618,000 | 10,992,000 | 12,037,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,040,000 | 90,689,000 | 89,874,000 | 103,733,000 |
| Interest-bearing deposits | 72,721,000 | 71,631,000 | 70,042,000 | 74,737,000 |
| Noninterest-bearing deposits | 19,319,000 | 19,058,000 | 19,832,000 | 28,996,000 |
| Equity capital | 14,223,000 | 14,814,000 | 15,171,000 | 15,022,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,275,000 | 2,660,000 | 4,090,000 | 5,398,000 |
| Interest expense | 217,000 | 421,000 | 611,000 | 792,000 |
| Net interest income | 1,058,000 | 2,239,000 | 3,479,000 | 4,606,000 |
| Noninterest income | 124,000 | 240,000 | -53,000 | 93,000 |
| Noninterest expense | 538,000 | 1,070,000 | 1,627,000 | 2,346,000 |
| Provision for loan losses | 136,000 | 209,000 | 209,000 | 264,000 |
| Pretax income | 508,000 | 1,200,000 | 1,590,000 | 2,089,000 |
| Income tax | 224,000 | 404,000 | 519,000 | 672,000 |
| Net income | 284,000 | 796,000 | 1,071,000 | 1,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,195,000 | 14,718,000 | 14,993,000 | 14,835,000 |
| Total capital | 15,264,000 | 15,834,000 | 16,043,000 | 15,775,000 |
| Risk-weighted assets | 85,345,000 | 89,022,000 | 91,338,000 | 86,736,000 |