Call reports 2007
CHARLOTTE STATE BANK & TRUST — 2007
What CHARLOTTE STATE BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 248,514,000 | 241,762,000 | 235,772,000 | 234,969,000 |
| Total loans | 173,665,000 | 175,878,000 | 178,387,000 | 179,591,000 |
| Allowance for loan losses | 2,149,000 | 2,170,000 | 2,194,000 | 2,976,000 |
| Securities available for sale | 41,069,000 | 41,912,000 | 38,645,000 | 39,278,000 |
| Securities held to maturity | 0 | 999,000 | 1,994,000 | 1,995,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,175,000 | 216,303,000 | 209,089,000 | 210,051,000 |
| Interest-bearing deposits | 199,765,000 | 204,086,000 | 200,091,000 | 200,595,000 |
| Noninterest-bearing deposits | 23,410,000 | 12,217,000 | 8,998,000 | 9,456,000 |
| Equity capital | 21,122,000 | 21,170,000 | 22,084,000 | 20,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,091,000 | 8,182,000 | 12,280,000 | 16,199,000 |
| Interest expense | 1,586,000 | 3,196,000 | 4,830,000 | 6,495,000 |
| Net interest income | 2,505,000 | 4,986,000 | 7,450,000 | 9,704,000 |
| Noninterest income | 733,000 | 1,589,000 | 2,529,000 | 3,345,000 |
| Noninterest expense | 2,042,000 | 4,135,000 | 6,193,000 | 8,060,000 |
| Provision for loan losses | 46,000 | 170,000 | 304,000 | 1,616,000 |
| Pretax income | 1,150,000 | 2,270,000 | 3,482,000 | 3,373,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,150,000 | 2,270,000 | 3,482,000 | 3,373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,739,000 | 21,245,000 | 22,188,000 | 20,108,000 |
| Total capital | 22,888,000 | 23,415,000 | 24,382,000 | 22,431,000 |
| Risk-weighted assets | 175,855,000 | 185,203,000 | 184,143,000 | 185,180,000 |