Call reports 2010
CHARLOTTE STATE BANK & TRUST — 2010
What CHARLOTTE STATE BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 243,546,000 | 238,908,000 | 231,022,000 | 234,317,000 |
| Total loans | 170,391,000 | 164,802,000 | 165,779,000 | 161,393,000 |
| Allowance for loan losses | 4,722,000 | 5,017,000 | 5,534,000 | 4,964,000 |
| Securities available for sale | 28,859,000 | 25,991,000 | 25,882,000 | 29,603,000 |
| Securities held to maturity | 4,512,000 | 10,414,000 | 10,292,000 | 10,322,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,826,000 | 216,050,000 | 207,550,000 | 210,904,000 |
| Interest-bearing deposits | 211,962,000 | 206,499,000 | 197,728,000 | 200,348,000 |
| Noninterest-bearing deposits | 9,864,000 | 9,551,000 | 9,822,000 | 10,556,000 |
| Equity capital | 18,153,000 | 18,968,000 | 19,561,000 | 19,368,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,848,000 | 5,617,000 | 8,256,000 | 10,790,000 |
| Interest expense | 574,000 | 1,078,000 | 1,561,000 | 2,013,000 |
| Net interest income | 2,274,000 | 4,539,000 | 6,695,000 | 8,777,000 |
| Noninterest income | 855,000 | 1,743,000 | 2,562,000 | 3,704,000 |
| Noninterest expense | 2,129,000 | 4,290,000 | 6,408,000 | 8,566,000 |
| Provision for loan losses | 855,000 | 1,935,000 | 2,520,000 | 4,327,000 |
| Pretax income | 145,000 | 57,000 | 329,000 | -412,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 145,000 | 57,000 | 329,000 | -412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,439,000 | 18,163,000 | 18,449,000 | 19,019,000 |
| Total capital | 19,739,000 | 20,371,000 | 20,655,000 | 21,171,000 |
| Risk-weighted assets | 183,212,000 | 173,801,000 | 173,152,000 | 169,311,000 |