Call reports 2026
CITIZENS' BANK OF CHARLESTON — 2026
What CITIZENS' BANK OF CHARLESTON reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 184,995,000 | 185,140,000 |
| Total loans | 141,391,000 | 150,597,000 |
| Allowance for loan losses | 1,828,000 | 1,774,000 |
| Securities available for sale | 12,039,000 | 11,889,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 147,455,000 | 146,626,000 |
| Interest-bearing deposits | 124,026,000 | 124,222,000 |
| Noninterest-bearing deposits | 23,429,000 | 22,404,000 |
| Equity capital | 36,486,000 | 37,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 2,833,000 | 5,784,000 |
| Interest expense | 695,000 | 1,387,000 |
| Net interest income | 2,138,000 | 4,397,000 |
| Noninterest income | 222,000 | 416,000 |
| Noninterest expense | 932,000 | 1,826,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 1,428,000 | 2,987,000 |
| Income tax | 326,000 | 687,000 |
| Net income | 1,102,000 | 2,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 36,709,000 | 37,907,000 |