Call reports 2009
CHARLOTTE STATE BANK & TRUST — 2009
What CHARLOTTE STATE BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 254,539,000 | 242,136,000 | 241,495,000 | 239,951,000 |
| Total loans | 175,144,000 | 176,233,000 | 176,449,000 | 172,550,000 |
| Allowance for loan losses | 2,277,000 | 2,189,000 | 4,590,000 | 4,625,000 |
| Securities available for sale | 43,304,000 | 35,891,000 | 32,545,000 | 29,253,000 |
| Securities held to maturity | 5,856,000 | 6,771,000 | 6,660,000 | 4,602,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,214,000 | 219,302,000 | 218,402,000 | 218,527,000 |
| Interest-bearing deposits | 222,561,000 | 209,837,000 | 209,134,000 | 208,082,000 |
| Noninterest-bearing deposits | 9,653,000 | 9,465,000 | 9,268,000 | 10,445,000 |
| Equity capital | 18,440,000 | 18,912,000 | 19,279,000 | 17,989,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,237,000 | 6,582,000 | 9,753,000 | 12,593,000 |
| Interest expense | 1,102,000 | 1,918,000 | 2,615,000 | 3,236,000 |
| Net interest income | 2,135,000 | 4,664,000 | 7,138,000 | 9,357,000 |
| Noninterest income | 762,000 | 1,575,000 | 2,436,000 | 3,312,000 |
| Noninterest expense | 2,212,000 | 4,550,000 | 6,844,000 | 8,959,000 |
| Provision for loan losses | 644,000 | 1,612,000 | 4,495,000 | 7,892,000 |
| Pretax income | 41,000 | 77,000 | -1,765,000 | -4,182,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 41,000 | 77,000 | -1,765,000 | -4,182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,668,000 | 18,716,000 | 18,887,000 | 17,282,000 |
| Total capital | 20,945,000 | 20,905,000 | 21,228,000 | 19,586,000 |
| Risk-weighted assets | 186,738,000 | 187,009,000 | 185,067,000 | 182,099,000 |