Call reports 2002
CHARLOTTE STATE BANK & TRUST — 2002
What CHARLOTTE STATE BANK & TRUST reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 111,752,000 | 110,900,000 | 112,489,000 | 119,333,000 |
| Total loans | 70,873,000 | 73,908,000 | 79,283,000 | 84,620,000 |
| Allowance for loan losses | 1,095,000 | 1,164,000 | 1,238,000 | 1,298,000 |
| Securities available for sale | 20,955,000 | 22,131,000 | 18,538,000 | 15,867,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,765,000 | 95,223,000 | 96,349,000 | 103,032,000 |
| Interest-bearing deposits | 77,386,000 | 75,710,000 | 75,717,000 | 81,728,000 |
| Noninterest-bearing deposits | 19,379,000 | 19,513,000 | 20,632,000 | 21,304,000 |
| Equity capital | 9,692,000 | 10,323,000 | 10,663,000 | 11,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,702,000 | 3,410,000 | 5,123,000 | 6,873,000 |
| Interest expense | 531,000 | 1,019,000 | 1,471,000 | 1,888,000 |
| Net interest income | 1,171,000 | 2,391,000 | 3,652,000 | 4,985,000 |
| Noninterest income | 419,000 | 833,000 | 1,318,000 | 1,800,000 |
| Noninterest expense | 1,123,000 | 2,211,000 | 3,332,000 | 4,532,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 392,000 | 869,000 | 1,419,000 | 1,959,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 392,000 | 869,000 | 1,419,000 | 1,959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,923,000 | 9,231,000 | 9,539,000 | 9,901,000 |
| Total capital | 9,850,000 | 10,182,000 | 10,534,000 | 10,976,000 |
| Risk-weighted assets | 73,961,000 | 75,765,000 | 79,360,000 | 85,764,000 |