Call reports 2004
CHARLOTTE STATE BANK & TRUST — 2004
What CHARLOTTE STATE BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 158,510,000 | 165,874,000 | 206,395,000 | 244,623,000 |
| Total loans | 118,615,000 | 122,896,000 | 122,651,000 | 123,513,000 |
| Allowance for loan losses | 1,456,000 | 1,523,000 | 1,495,000 | 1,562,000 |
| Securities available for sale | 18,532,000 | 21,315,000 | 50,695,000 | 81,485,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,798,000 | 147,995,000 | 188,088,000 | 225,967,000 |
| Interest-bearing deposits | 102,076,000 | 108,514,000 | 135,509,000 | 154,756,000 |
| Noninterest-bearing deposits | 38,722,000 | 39,481,000 | 52,579,000 | 71,211,000 |
| Equity capital | 12,946,000 | 12,978,000 | 13,339,000 | 13,874,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,989,000 | 4,097,000 | 6,310,000 | 8,880,000 |
| Interest expense | 295,000 | 578,000 | 881,000 | 1,226,000 |
| Net interest income | 1,694,000 | 3,519,000 | 5,429,000 | 7,654,000 |
| Noninterest income | 618,000 | 1,319,000 | 1,907,000 | 2,516,000 |
| Noninterest expense | 1,657,000 | 3,322,000 | 5,018,000 | 6,579,000 |
| Provision for loan losses | 66,000 | 132,000 | 198,000 | 264,000 |
| Pretax income | 589,000 | 1,384,000 | 2,120,000 | 3,327,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 589,000 | 1,384,000 | 2,120,000 | 3,327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,949,000 | 12,518,000 | 12,641,000 | 13,481,000 |
| Total capital | 13,405,000 | 14,030,000 | 14,136,000 | 15,043,000 |
| Risk-weighted assets | 116,899,000 | 120,967,000 | 128,631,000 | 128,970,000 |