Call reports 2013
CITIZENS' BANK OF CHARLESTON — 2013
What CITIZENS' BANK OF CHARLESTON reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 129,122,000 | 120,006,000 | 118,806,000 | 130,671,000 |
| Total loans | 75,422,000 | 83,962,000 | 83,536,000 | 76,564,000 |
| Allowance for loan losses | 1,357,000 | 1,824,000 | 1,804,000 | 1,793,000 |
| Securities available for sale | 16,726,000 | 16,481,000 | 17,191,000 | 20,146,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,210,000 | 102,997,000 | 101,157,000 | 113,400,000 |
| Interest-bearing deposits | 83,043,000 | 77,826,000 | 75,842,000 | 79,992,000 |
| Noninterest-bearing deposits | 29,167,000 | 25,171,000 | 25,315,000 | 33,408,000 |
| Equity capital | 16,736,000 | 16,917,000 | 17,490,000 | 17,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,196,000 | 2,554,000 | 3,917,000 | 5,146,000 |
| Interest expense | 140,000 | 276,000 | 403,000 | 528,000 |
| Net interest income | 1,056,000 | 2,278,000 | 3,514,000 | 4,618,000 |
| Noninterest income | 147,000 | 262,000 | 363,000 | 571,000 |
| Noninterest expense | 570,000 | 1,145,000 | 1,739,000 | 2,537,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 633,000 | 1,395,000 | 2,138,000 | 2,639,000 |
| Income tax | 192,000 | 442,000 | 697,000 | 869,000 |
| Net income | 441,000 | 953,000 | 1,441,000 | 1,770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,619,000 | 17,105,000 | 17,567,000 | 17,321,000 |
| Total capital | 17,690,000 | 18,319,000 | 18,760,000 | 18,434,000 |
| Risk-weighted assets | 88,489,000 | 96,557,000 | 94,836,000 | 88,397,000 |