Call reports 2019
CITIZENS' BANK OF CHARLESTON — 2019
What CITIZENS' BANK OF CHARLESTON reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 135,805,000 | 140,737,000 | 139,371,000 | 142,693,000 |
| Total loans | 84,276,000 | 86,350,000 | 91,525,000 | 92,882,000 |
| Allowance for loan losses | 1,829,000 | 1,828,000 | 1,820,000 | 1,804,000 |
| Securities available for sale | 13,146,000 | 11,329,000 | 10,190,000 | 9,748,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,299,000 | 115,912,000 | 113,787,000 | 117,439,000 |
| Interest-bearing deposits | 90,514,000 | 96,170,000 | 93,858,000 | 92,853,000 |
| Noninterest-bearing deposits | 20,785,000 | 19,742,000 | 19,929,000 | 24,586,000 |
| Equity capital | 23,692,000 | 24,371,000 | 25,027,000 | 24,672,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,483,000 | 3,028,000 | 4,658,000 | 6,297,000 |
| Interest expense | 176,000 | 383,000 | 615,000 | 858,000 |
| Net interest income | 1,307,000 | 2,645,000 | 4,043,000 | 5,439,000 |
| Noninterest income | 153,000 | 318,000 | 459,000 | 685,000 |
| Noninterest expense | 710,000 | 1,388,000 | 2,063,000 | 3,161,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 750,000 | 1,575,000 | 2,438,000 | 2,962,000 |
| Income tax | 169,000 | 367,000 | 576,000 | 715,000 |
| Net income | 581,000 | 1,208,000 | 1,862,000 | 2,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,715,000 | 24,342,000 | 24,996,000 | 24,636,000 |
| Total capital | 24,866,000 | 25,503,000 | 26,209,000 | 25,867,000 |
| Risk-weighted assets | 91,423,000 | 92,274,000 | 96,482,000 | 97,939,000 |