Call reports 2021
CITIZENS' BANK OF CHARLESTON — 2021
What CITIZENS' BANK OF CHARLESTON reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 163,884,000 | 164,181,000 | 161,711,000 | 167,556,000 |
| Total loans | 89,531,000 | 95,201,000 | 98,047,000 | 95,089,000 |
| Allowance for loan losses | 1,744,000 | 1,796,000 | 1,789,000 | 1,781,000 |
| Securities available for sale | 8,102,000 | 8,144,000 | 7,765,000 | 8,868,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,890,000 | 136,684,000 | 133,684,000 | 140,108,000 |
| Interest-bearing deposits | 112,394,000 | 113,357,000 | 109,307,000 | 110,343,000 |
| Noninterest-bearing deposits | 24,496,000 | 23,327,000 | 24,377,000 | 29,765,000 |
| Equity capital | 26,503,000 | 27,095,000 | 27,620,000 | 27,139,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,361,000 | 2,763,000 | 4,146,000 | 5,470,000 |
| Interest expense | 162,000 | 301,000 | 434,000 | 555,000 |
| Net interest income | 1,199,000 | 2,462,000 | 3,712,000 | 4,915,000 |
| Noninterest income | 199,000 | 358,000 | 513,000 | 777,000 |
| Noninterest expense | 722,000 | 1,368,000 | 2,093,000 | 3,099,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 676,000 | 1,452,000 | 2,132,000 | 2,593,000 |
| Income tax | 152,000 | 328,000 | 482,000 | 585,000 |
| Net income | 524,000 | 1,124,000 | 1,650,000 | 2,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,435,000 | 27,034,000 | 27,561,000 | 27,115,000 |