Call reports 2001
CHARLOTTE STATE BANK & TRUST — 2001
What CHARLOTTE STATE BANK & TRUST reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 92,757,000 | 94,063,000 | 109,096,000 | 110,233,000 |
| Total loans | 59,732,000 | 63,864,000 | 65,328,000 | 69,941,000 |
| Allowance for loan losses | 751,000 | 743,000 | 827,000 | 1,020,000 |
| Securities available for sale | 17,603,000 | 16,706,000 | 26,984,000 | 24,200,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,347,000 | 79,298,000 | 93,744,000 | 95,002,000 |
| Interest-bearing deposits | 61,579,000 | 61,812,000 | 77,719,000 | 74,976,000 |
| Noninterest-bearing deposits | 16,768,000 | 17,486,000 | 16,025,000 | 20,026,000 |
| Equity capital | 8,821,000 | 9,037,000 | 9,522,000 | 9,623,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,693,000 | 3,391,000 | 5,245,000 | 7,032,000 |
| Interest expense | 785,000 | 1,520,000 | 2,365,000 | 3,029,000 |
| Net interest income | 908,000 | 1,871,000 | 2,880,000 | 4,003,000 |
| Noninterest income | 330,000 | 681,000 | 1,063,000 | 1,531,000 |
| Noninterest expense | 925,000 | 1,825,000 | 2,834,000 | 3,839,000 |
| Provision for loan losses | 71,000 | 143,000 | 234,000 | 405,000 |
| Pretax income | 242,000 | 584,000 | 875,000 | 1,290,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 242,000 | 584,000 | 875,000 | 1,290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,710,000 | 8,897,000 | 8,372,000 | 8,653,000 |
| Total capital | 9,461,000 | 9,640,000 | 9,199,000 | 9,565,000 |
| Risk-weighted assets | 61,042,000 | 64,420,000 | 74,662,000 | 72,861,000 |