Call reports 2017
CITIZENS' BANK OF CHARLESTON — 2017
What CITIZENS' BANK OF CHARLESTON reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 135,405,000 | 131,287,000 | 130,210,000 | 135,204,000 |
| Total loans | 83,316,000 | 88,146,000 | 93,368,000 | 89,109,000 |
| Allowance for loan losses | 1,840,000 | 1,852,000 | 1,835,000 | 1,830,000 |
| Securities available for sale | 15,826,000 | 16,302,000 | 16,545,000 | 16,252,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,895,000 | 109,432,000 | 107,789,000 | 113,376,000 |
| Interest-bearing deposits | 93,965,000 | 91,110,000 | 89,079,000 | 89,417,000 |
| Noninterest-bearing deposits | 19,930,000 | 18,322,000 | 18,710,000 | 23,959,000 |
| Equity capital | 21,169,000 | 21,690,000 | 22,208,000 | 21,687,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,307,000 | 2,666,000 | 4,114,000 | 5,533,000 |
| Interest expense | 125,000 | 248,000 | 372,000 | 496,000 |
| Net interest income | 1,182,000 | 2,418,000 | 3,742,000 | 5,037,000 |
| Noninterest income | 172,000 | 317,000 | 452,000 | 686,000 |
| Noninterest expense | 653,000 | 1,302,000 | 1,982,000 | 2,897,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 701,000 | 1,433,000 | 2,215,000 | 2,829,000 |
| Income tax | 240,000 | 494,000 | 748,000 | 1,099,000 |
| Net income | 461,000 | 939,000 | 1,467,000 | 1,730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,174,000 | 21,653,000 | 22,180,000 | 21,753,000 |
| Total capital | 22,281,000 | 22,825,000 | 23,417,000 | 22,925,000 |
| Risk-weighted assets | 87,859,000 | 93,151,000 | 98,441,000 | 93,161,000 |