Call reports 2018
CITIZENS' BANK OF CHARLESTON — 2018
What CITIZENS' BANK OF CHARLESTON reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 134,910,000 | 132,521,000 | 126,479,000 | 135,408,000 |
| Total loans | 82,035,000 | 89,262,000 | 94,343,000 | 89,661,000 |
| Allowance for loan losses | 1,831,000 | 1,792,000 | 1,822,000 | 1,825,000 |
| Securities available for sale | 14,962,000 | 14,759,000 | 14,121,000 | 13,876,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,445,000 | 109,630,000 | 102,967,000 | 112,145,000 |
| Interest-bearing deposits | 91,285,000 | 88,857,000 | 84,837,000 | 90,265,000 |
| Noninterest-bearing deposits | 21,160,000 | 20,773,000 | 18,130,000 | 21,880,000 |
| Equity capital | 22,135,000 | 22,699,000 | 23,242,000 | 23,019,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,341,000 | 2,752,000 | 4,260,000 | 5,750,000 |
| Interest expense | 126,000 | 256,000 | 388,000 | 537,000 |
| Net interest income | 1,215,000 | 2,496,000 | 3,872,000 | 5,213,000 |
| Noninterest income | 149,000 | 282,000 | 420,000 | 637,000 |
| Noninterest expense | 668,000 | 1,330,000 | 2,025,000 | 3,042,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 696,000 | 1,448,000 | 2,267,000 | 2,808,000 |
| Income tax | 159,000 | 335,000 | 523,000 | 660,000 |
| Net income | 537,000 | 1,113,000 | 1,744,000 | 2,148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,290,000 | 22,866,000 | 23,447,000 | 23,134,000 |
| Total capital | 23,368,000 | 24,065,000 | 24,694,000 | 24,333,000 |
| Risk-weighted assets | 85,488,000 | 95,406,000 | 99,242,000 | 95,356,000 |