Call reports 2012
CITIZENS' BANK OF CHARLESTON — 2012
What CITIZENS' BANK OF CHARLESTON reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 117,044,000 | 114,210,000 | 117,526,000 | 127,378,000 |
| Total loans | 79,965,000 | 89,005,000 | 84,323,000 | 79,080,000 |
| Allowance for loan losses | 1,417,000 | 1,400,000 | 1,350,000 | 1,338,000 |
| Securities available for sale | 15,415,000 | 15,286,000 | 14,255,000 | 14,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,524,000 | 98,080,000 | 100,808,000 | 110,954,000 |
| Interest-bearing deposits | 76,935,000 | 76,406,000 | 75,845,000 | 78,326,000 |
| Noninterest-bearing deposits | 24,589,000 | 21,674,000 | 24,963,000 | 32,628,000 |
| Equity capital | 15,442,000 | 16,022,000 | 16,593,000 | 16,359,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,309,000 | 2,701,000 | 4,143,000 | 5,431,000 |
| Interest expense | 178,000 | 337,000 | 490,000 | 638,000 |
| Net interest income | 1,131,000 | 2,364,000 | 3,653,000 | 4,793,000 |
| Noninterest income | 114,000 | 228,000 | 323,000 | 488,000 |
| Noninterest expense | 553,000 | 1,084,000 | 1,650,000 | 2,479,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 692,000 | 1,508,000 | 2,326,000 | 2,802,000 |
| Income tax | 225,000 | 491,000 | 761,000 | 913,000 |
| Net income | 467,000 | 1,017,000 | 1,565,000 | 1,889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,302,000 | 15,852,000 | 16,400,000 | 16,178,000 |
| Total capital | 16,286,000 | 16,961,000 | 17,447,000 | 17,161,000 |
| Risk-weighted assets | 89,338,000 | 97,104,000 | 93,258,000 | 91,234,000 |