Call reports 2005
CHARLOTTE STATE BANK & TRUST — 2005
What CHARLOTTE STATE BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 255,491,000 | 237,792,000 | 234,571,000 | 242,767,000 |
| Total loans | 130,321,000 | 147,139,000 | 156,188,000 | 161,611,000 |
| Allowance for loan losses | 1,629,000 | 1,695,000 | 1,754,000 | 1,819,000 |
| Securities available for sale | 84,024,000 | 70,114,000 | 58,736,000 | 53,615,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,282,000 | 217,858,000 | 213,647,000 | 221,647,000 |
| Interest-bearing deposits | 162,210,000 | 146,321,000 | 147,712,000 | 164,143,000 |
| Noninterest-bearing deposits | 74,072,000 | 71,537,000 | 65,935,000 | 57,504,000 |
| Equity capital | 14,550,000 | 15,182,000 | 15,969,000 | 16,029,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,708,000 | 5,704,000 | 8,978,000 | 12,409,000 |
| Interest expense | 360,000 | 782,000 | 1,271,000 | 1,929,000 |
| Net interest income | 2,348,000 | 4,922,000 | 7,707,000 | 10,480,000 |
| Noninterest income | 638,000 | 1,382,000 | 2,103,000 | 2,949,000 |
| Noninterest expense | 1,850,000 | 3,778,000 | 5,762,000 | 7,918,000 |
| Provision for loan losses | 66,000 | 132,000 | 198,000 | 313,000 |
| Pretax income | 1,070,000 | 2,394,000 | 3,850,000 | 5,198,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,070,000 | 2,394,000 | 3,850,000 | 5,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,565,000 | 14,949,000 | 15,796,000 | 16,167,000 |
| Total capital | 16,194,000 | 16,644,000 | 17,550,000 | 17,986,000 |
| Risk-weighted assets | 135,843,000 | 154,820,000 | 160,046,000 | 166,879,000 |