Call reports 2022
CITIZENS' BANK OF CHARLESTON — 2022
What CITIZENS' BANK OF CHARLESTON reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 179,647,000 | 171,246,000 | 169,319,000 | 178,735,000 |
| Total loans | 90,681,000 | 101,613,000 | 109,117,000 | 105,720,000 |
| Allowance for loan losses | 1,769,000 | 1,763,000 | 1,755,000 | 1,682,000 |
| Securities available for sale | 11,205,000 | 16,652,000 | 21,829,000 | 22,367,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,122,000 | 143,299,000 | 141,107,000 | 150,509,000 |
| Interest-bearing deposits | 122,226,000 | 114,251,000 | 115,155,000 | 119,100,000 |
| Noninterest-bearing deposits | 29,896,000 | 29,048,000 | 25,952,000 | 31,409,000 |
| Equity capital | 27,277,000 | 27,631,000 | 27,849,000 | 27,919,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,223,000 | 2,684,000 | 4,453,000 | 6,399,000 |
| Interest expense | 123,000 | 236,000 | 354,000 | 509,000 |
| Net interest income | 1,100,000 | 2,448,000 | 4,099,000 | 5,890,000 |
| Noninterest income | 158,000 | 343,000 | 509,000 | 740,000 |
| Noninterest expense | 706,000 | 1,472,000 | 2,270,000 | 3,385,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 552,000 | 1,319,000 | 2,338,000 | 3,245,000 |
| Income tax | 125,000 | 300,000 | 535,000 | 725,000 |
| Net income | 427,000 | 1,019,000 | 1,803,000 | 2,520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,542,000 | 28,134,000 | 28,918,000 | 28,803,000 |