Call reports 2016
CHARLOTTE STATE BANK & TRUST — 2016
What CHARLOTTE STATE BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 317,452,000 | 324,794,000 | 332,751,000 | 334,614,000 |
| Total loans | 168,067,000 | 174,374,000 | 183,716,000 | 188,219,000 |
| Allowance for loan losses | 3,994,000 | 4,002,000 | 3,958,000 | 3,982,000 |
| Securities available for sale | 54,268,000 | 64,390,000 | 71,857,000 | 69,000,000 |
| Securities held to maturity | 51,048,000 | 47,204,000 | 40,681,000 | 39,851,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,738,000 | 292,994,000 | 299,893,000 | 303,765,000 |
| Interest-bearing deposits | 203,049,000 | 204,487,000 | 206,802,000 | 209,590,000 |
| Noninterest-bearing deposits | 83,689,000 | 88,507,000 | 93,091,000 | 94,175,000 |
| Equity capital | 27,927,000 | 28,988,000 | 29,866,000 | 28,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,612,000 | 5,361,000 | 8,168,000 | 11,065,000 |
| Interest expense | 78,000 | 156,000 | 231,000 | 303,000 |
| Net interest income | 2,534,000 | 5,205,000 | 7,937,000 | 10,762,000 |
| Noninterest income | 1,177,000 | 2,472,000 | 3,881,000 | 5,108,000 |
| Noninterest expense | 2,436,000 | 4,889,000 | 7,304,000 | 9,807,000 |
| Provision for loan losses | 2,000 | 4,000 | 16,000 | 28,000 |
| Pretax income | 1,309,000 | 2,864,000 | 4,613,000 | 6,090,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,309,000 | 2,864,000 | 4,613,000 | 6,090,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,711,000 | 28,741,000 | 29,390,000 | 30,367,000 |
| Total capital | 29,972,000 | 31,032,000 | 31,779,000 | 32,813,000 |
| Risk-weighted assets | 179,181,000 | 181,645,000 | 189,607,000 | 194,218,000 |