Call reports 2014
CHARLOTTE STATE BANK & TRUST — 2014
What CHARLOTTE STATE BANK & TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 279,341,000 | 276,609,000 | 278,298,000 | 281,111,000 |
| Total loans | 149,871,000 | 154,272,000 | 155,504,000 | 156,617,000 |
| Allowance for loan losses | 4,417,000 | 4,450,000 | 4,636,000 | 4,250,000 |
| Securities available for sale | 45,887,000 | 45,839,000 | 47,160,000 | 43,905,000 |
| Securities held to maturity | 47,193,000 | 51,353,000 | 50,458,000 | 49,814,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,265,000 | 248,007,000 | 249,092,000 | 252,000,000 |
| Interest-bearing deposits | 182,840,000 | 181,501,000 | 184,800,000 | 188,229,000 |
| Noninterest-bearing deposits | 69,425,000 | 66,506,000 | 64,292,000 | 63,771,000 |
| Equity capital | 23,534,000 | 25,018,000 | 25,377,000 | 25,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,319,000 | 4,693,000 | 7,097,000 | 9,544,000 |
| Interest expense | 102,000 | 198,000 | 296,000 | 392,000 |
| Net interest income | 2,217,000 | 4,495,000 | 6,801,000 | 9,152,000 |
| Noninterest income | 973,000 | 1,992,000 | 3,157,000 | 4,286,000 |
| Noninterest expense | 2,157,000 | 4,370,000 | 6,565,000 | 8,876,000 |
| Provision for loan losses | 188,000 | 380,000 | 509,000 | 750,000 |
| Pretax income | 845,000 | 1,737,000 | 2,896,000 | 3,822,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 845,000 | 1,737,000 | 2,896,000 | 3,822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,715,000 | 25,619,000 | 25,990,000 | 25,927,000 |
| Total capital | 26,782,000 | 27,729,000 | 28,116,000 | 28,050,000 |
| Risk-weighted assets | 163,001,000 | 166,496,000 | 167,559,000 | 167,709,000 |