Call reports 2003
CHARLOTTE STATE BANK & TRUST — 2003
What CHARLOTTE STATE BANK & TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 133,702,000 | 132,963,000 | 146,711,000 | 150,366,000 |
| Total loans | 92,487,000 | 100,506,000 | 105,765,000 | 115,432,000 |
| Allowance for loan losses | 1,259,000 | 1,261,000 | 1,306,000 | 1,382,000 |
| Securities available for sale | 15,318,000 | 16,978,000 | 19,292,000 | 19,845,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,386,000 | 116,180,000 | 129,776,000 | 133,257,000 |
| Interest-bearing deposits | 87,219,000 | 88,702,000 | 96,936,000 | 101,287,000 |
| Noninterest-bearing deposits | 30,167,000 | 27,478,000 | 32,840,000 | 31,970,000 |
| Equity capital | 11,261,000 | 11,682,000 | 11,839,000 | 12,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,728,000 | 3,562,000 | 5,413,000 | 7,226,000 |
| Interest expense | 379,000 | 761,000 | 1,110,000 | 1,431,000 |
| Net interest income | 1,349,000 | 2,801,000 | 4,303,000 | 5,795,000 |
| Noninterest income | 500,000 | 1,083,000 | 1,725,000 | 2,527,000 |
| Noninterest expense | 1,347,000 | 2,780,000 | 4,270,000 | 5,789,000 |
| Provision for loan losses | 11,000 | 33,000 | 90,000 | 174,000 |
| Pretax income | 491,000 | 1,071,000 | 1,668,000 | 2,340,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 491,000 | 1,071,000 | 1,668,000 | 2,340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,215,000 | 10,567,000 | 10,936,000 | 11,348,000 |
| Total capital | 11,402,000 | 11,828,000 | 12,242,000 | 12,730,000 |
| Risk-weighted assets | 94,954,000 | 105,434,000 | 106,052,000 | 113,345,000 |