Call reports 2006
CHARLOTTE STATE BANK & TRUST — 2006
What CHARLOTTE STATE BANK & TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 235,520,000 | 225,807,000 | 234,423,000 | 249,003,000 |
| Total loans | 172,545,000 | 174,438,000 | 169,958,000 | 171,464,000 |
| Allowance for loan losses | 1,922,000 | 2,036,000 | 2,040,000 | 2,116,000 |
| Securities available for sale | 41,643,000 | 36,387,000 | 34,761,000 | 40,859,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,362,000 | 198,935,000 | 210,180,000 | 224,223,000 |
| Interest-bearing deposits | 151,059,000 | 149,141,000 | 190,390,000 | 208,506,000 |
| Noninterest-bearing deposits | 57,303,000 | 49,794,000 | 19,790,000 | 15,717,000 |
| Equity capital | 17,570,000 | 17,915,000 | 19,146,000 | 19,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,538,000 | 7,268,000 | 11,099,000 | 15,037,000 |
| Interest expense | 781,000 | 1,717,000 | 2,939,000 | 4,453,000 |
| Net interest income | 2,757,000 | 5,551,000 | 8,160,000 | 10,584,000 |
| Noninterest income | 748,000 | 1,580,000 | 2,345,000 | 3,138,000 |
| Noninterest expense | 1,816,000 | 3,826,000 | 5,765,000 | 7,591,000 |
| Provision for loan losses | 109,000 | 231,000 | 245,000 | 332,000 |
| Pretax income | 1,521,000 | 3,015,000 | 4,199,000 | 5,503,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,521,000 | 3,015,000 | 4,199,000 | 5,503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,700,000 | 18,190,000 | 18,860,000 | 19,576,000 |
| Total capital | 19,622,000 | 20,226,000 | 20,900,000 | 21,692,000 |
| Risk-weighted assets | 170,775,000 | 169,399,000 | 167,663,000 | 174,394,000 |