Call reports 2011
CHARLOTTE STATE BANK & TRUST — 2011
What CHARLOTTE STATE BANK & TRUST reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 247,702,000 | 241,931,000 | 240,815,000 | 244,629,000 |
| Total loans | 159,971,000 | 157,750,000 | 154,937,000 | 153,511,000 |
| Allowance for loan losses | 5,532,000 | 5,912,000 | 5,756,000 | 5,101,000 |
| Securities available for sale | 32,751,000 | 40,445,000 | 34,029,000 | 44,366,000 |
| Securities held to maturity | 13,203,000 | 18,619,000 | 20,232,000 | 24,629,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,729,000 | 218,112,000 | 215,956,000 | 219,912,000 |
| Interest-bearing deposits | 213,977,000 | 207,725,000 | 179,703,000 | 180,314,000 |
| Noninterest-bearing deposits | 10,752,000 | 10,387,000 | 36,253,000 | 39,598,000 |
| Equity capital | 19,355,000 | 20,128,000 | 20,910,000 | 21,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,447,000 | 4,935,000 | 7,433,000 | 9,954,000 |
| Interest expense | 413,000 | 708,000 | 961,000 | 1,192,000 |
| Net interest income | 2,034,000 | 4,227,000 | 6,472,000 | 8,762,000 |
| Noninterest income | 853,000 | 1,819,000 | 2,673,000 | 3,446,000 |
| Noninterest expense | 2,026,000 | 4,111,000 | 6,112,000 | 8,023,000 |
| Provision for loan losses | 956,000 | 1,710,000 | 2,469,000 | 3,268,000 |
| Pretax income | 140,000 | 483,000 | 852,000 | 1,210,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 140,000 | 483,000 | 852,000 | 1,210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,170,000 | 19,526,000 | 19,908,000 | 20,278,000 |
| Total capital | 21,306,000 | 21,627,000 | 21,977,000 | 22,363,000 |
| Risk-weighted assets | 167,487,000 | 164,276,000 | 161,819,000 | 163,820,000 |