Call reports 2013
CHARLOTTE STATE BANK & TRUST — 2013
What CHARLOTTE STATE BANK & TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 270,690,000 | 263,743,000 | 266,796,000 | 264,046,000 |
| Total loans | 147,449,000 | 141,505,000 | 148,159,000 | 150,580,000 |
| Allowance for loan losses | 5,222,000 | 4,001,000 | 4,591,000 | 4,232,000 |
| Securities available for sale | 67,536,000 | 41,016,000 | 44,298,000 | 43,541,000 |
| Securities held to maturity | 10,286,000 | 41,992,000 | 42,908,000 | 42,620,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,616,000 | 237,708,000 | 240,523,000 | 238,289,000 |
| Interest-bearing deposits | 187,049,000 | 181,672,000 | 181,187,000 | 179,208,000 |
| Noninterest-bearing deposits | 55,567,000 | 56,036,000 | 59,336,000 | 59,081,000 |
| Equity capital | 23,898,000 | 22,330,000 | 22,388,000 | 22,454,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,384,000 | 4,605,000 | 6,847,000 | 9,380,000 |
| Interest expense | 136,000 | 255,000 | 364,000 | 468,000 |
| Net interest income | 2,248,000 | 4,350,000 | 6,483,000 | 8,912,000 |
| Noninterest income | 938,000 | 2,078,000 | 3,147,000 | 4,278,000 |
| Noninterest expense | 2,071,000 | 4,209,000 | 6,289,000 | 8,468,000 |
| Provision for loan losses | 229,000 | 1,426,000 | 2,015,000 | 2,420,000 |
| Pretax income | 895,000 | 802,000 | 1,335,000 | 2,244,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 895,000 | 802,000 | 1,335,000 | 2,244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,272,000 | 23,192,000 | 23,737,000 | 24,158,000 |
| Total capital | 25,278,000 | 25,168,000 | 25,831,000 | 26,215,000 |
| Risk-weighted assets | 157,286,000 | 156,036,000 | 164,444,000 | 162,347,000 |