Call reports 2015
CHARLOTTE STATE BANK & TRUST — 2015
What CHARLOTTE STATE BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 304,505,000 | 300,807,000 | 301,607,000 | 304,124,000 |
| Total loans | 155,587,000 | 159,027,000 | 159,714,000 | 161,646,000 |
| Allowance for loan losses | 4,431,000 | 4,554,000 | 4,562,000 | 3,942,000 |
| Securities available for sale | 48,713,000 | 59,653,000 | 54,206,000 | 59,172,000 |
| Securities held to maturity | 49,867,000 | 50,418,000 | 49,178,000 | 51,368,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,278,000 | 270,543,000 | 270,888,000 | 274,405,000 |
| Interest-bearing deposits | 196,822,000 | 198,131,000 | 193,388,000 | 200,274,000 |
| Noninterest-bearing deposits | 77,456,000 | 72,412,000 | 77,500,000 | 74,131,000 |
| Equity capital | 27,250,000 | 27,001,000 | 27,844,000 | 27,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,386,000 | 4,842,000 | 7,329,000 | 9,901,000 |
| Interest expense | 91,000 | 173,000 | 258,000 | 340,000 |
| Net interest income | 2,295,000 | 4,669,000 | 7,071,000 | 9,561,000 |
| Noninterest income | 1,117,000 | 2,245,000 | 3,438,000 | 4,652,000 |
| Noninterest expense | 2,328,000 | 4,623,000 | 6,953,000 | 9,289,000 |
| Provision for loan losses | 153,000 | 240,000 | 253,000 | 256,000 |
| Pretax income | 931,000 | 2,051,000 | 3,369,000 | 4,752,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 931,000 | 2,051,000 | 3,369,000 | 4,752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,908,000 | 27,533,000 | 27,856,000 | 27,653,000 |
| Total capital | 29,052,000 | 29,728,000 | 30,033,000 | 29,853,000 |
| Risk-weighted assets | 169,239,000 | 173,294,000 | 171,852,000 | 174,335,000 |