Call reports 2012
CHARLOTTE STATE BANK & TRUST — 2012
What CHARLOTTE STATE BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 259,483,000 | 249,726,000 | 251,456,000 | 253,610,000 |
| Total loans | 151,570,000 | 151,502,000 | 151,542,000 | 148,723,000 |
| Allowance for loan losses | 5,359,000 | 5,530,000 | 5,782,000 | 5,048,000 |
| Securities available for sale | 43,847,000 | 49,328,000 | 55,278,000 | 62,149,000 |
| Securities held to maturity | 26,490,000 | 18,398,000 | 14,473,000 | 11,889,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,190,000 | 223,304,000 | 224,455,000 | 226,602,000 |
| Interest-bearing deposits | 186,291,000 | 178,593,000 | 178,582,000 | 179,635,000 |
| Noninterest-bearing deposits | 47,899,000 | 44,711,000 | 45,873,000 | 46,967,000 |
| Equity capital | 21,678,000 | 22,652,000 | 23,054,000 | 23,722,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,498,000 | 5,015,000 | 7,452,000 | 9,976,000 |
| Interest expense | 193,000 | 365,000 | 525,000 | 666,000 |
| Net interest income | 2,305,000 | 4,650,000 | 6,927,000 | 9,310,000 |
| Noninterest income | 949,000 | 1,942,000 | 2,952,000 | 3,655,000 |
| Noninterest expense | 2,088,000 | 4,166,000 | 6,222,000 | 8,235,000 |
| Provision for loan losses | 567,000 | 1,133,000 | 1,500,000 | 1,829,000 |
| Pretax income | 607,000 | 1,325,000 | 2,203,000 | 2,952,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 607,000 | 1,325,000 | 2,203,000 | 2,952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,897,000 | 21,626,000 | 22,016,000 | 22,777,000 |
| Total capital | 22,969,000 | 23,677,000 | 24,066,000 | 24,799,000 |
| Risk-weighted assets | 162,499,000 | 160,562,000 | 160,241,000 | 158,755,000 |