Call reports 2015
CITIZENS' BANK OF CHARLESTON — 2015
What CITIZENS' BANK OF CHARLESTON reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 128,546,000 | 124,357,000 | 120,820,000 | 143,338,000 |
| Total loans | 79,660,000 | 85,506,000 | 92,839,000 | 87,167,000 |
| Allowance for loan losses | 1,026,000 | 1,182,000 | 1,162,000 | 1,400,000 |
| Securities available for sale | 17,075,000 | 16,972,000 | 16,091,000 | 15,677,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,236,000 | 104,778,000 | 100,620,000 | 123,372,000 |
| Interest-bearing deposits | 89,342,000 | 85,547,000 | 82,447,000 | 88,507,000 |
| Noninterest-bearing deposits | 19,894,000 | 19,231,000 | 18,173,000 | 34,865,000 |
| Equity capital | 19,213,000 | 19,482,000 | 19,950,000 | 19,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,246,000 | 2,518,000 | 3,890,000 | 5,243,000 |
| Interest expense | 124,000 | 247,000 | 370,000 | 489,000 |
| Net interest income | 1,122,000 | 2,271,000 | 3,520,000 | 4,754,000 |
| Noninterest income | 154,000 | 293,000 | 430,000 | 650,000 |
| Noninterest expense | 628,000 | 1,231,000 | 2,029,000 | 2,914,000 |
| Provision for loan losses | 0 | 150,000 | 150,000 | 150,000 |
| Pretax income | 655,000 | 1,189,000 | 1,777,000 | 2,346,000 |
| Income tax | 215,000 | 388,000 | 582,000 | 727,000 |
| Net income | 440,000 | 801,000 | 1,195,000 | 1,619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,124,000 | 19,486,000 | 19,839,000 | 19,660,000 |
| Total capital | 20,150,000 | 20,654,000 | 21,001,000 | 20,870,000 |
| Risk-weighted assets | 90,771,000 | 93,495,000 | 100,379,000 | 96,610,000 |