Call reports 2016
CITIZENS' BANK OF CHARLESTON — 2016
What CITIZENS' BANK OF CHARLESTON reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 129,271,000 | 126,364,000 | 127,268,000 | 134,955,000 |
| Total loans | 88,560,000 | 93,407,000 | 94,203,000 | 88,363,000 |
| Allowance for loan losses | 1,600,000 | 1,703,000 | 1,764,000 | 1,845,000 |
| Securities available for sale | 14,262,000 | 14,162,000 | 13,419,000 | 12,805,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,115,000 | 105,604,000 | 106,016,000 | 114,213,000 |
| Interest-bearing deposits | 90,203,000 | 87,478,000 | 87,201,000 | 91,901,000 |
| Noninterest-bearing deposits | 18,912,000 | 18,126,000 | 18,815,000 | 22,312,000 |
| Equity capital | 20,100,000 | 20,603,000 | 21,058,000 | 20,692,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,307,000 | 2,720,000 | 4,156,000 | 5,519,000 |
| Interest expense | 120,000 | 238,000 | 359,000 | 481,000 |
| Net interest income | 1,187,000 | 2,482,000 | 3,797,000 | 5,038,000 |
| Noninterest income | 147,000 | 279,000 | 413,000 | 620,000 |
| Noninterest expense | 681,000 | 1,300,000 | 1,983,000 | 2,825,000 |
| Provision for loan losses | 200,000 | 300,000 | 350,000 | 450,000 |
| Pretax income | 453,000 | 1,161,000 | 1,877,000 | 2,384,000 |
| Income tax | 139,000 | 390,000 | 628,000 | 768,000 |
| Net income | 314,000 | 771,000 | 1,249,000 | 1,616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,014,000 | 20,471,000 | 20,949,000 | 20,713,000 |
| Total capital | 21,190,000 | 21,716,000 | 22,211,000 | 21,893,000 |
| Risk-weighted assets | 93,700,000 | 99,186,000 | 100,491,000 | 93,742,000 |