Call reports 2017
CHARLOTTE STATE BANK & TRUST — 2017
What CHARLOTTE STATE BANK & TRUST reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 361,638,000 | 359,002,000 | 361,764,000 | 358,281,000 |
| Total loans | 190,142,000 | 190,362,000 | 188,746,000 | 191,287,000 |
| Allowance for loan losses | 3,217,000 | 3,007,000 | 3,438,000 | 3,468,000 |
| Securities available for sale | 72,040,000 | 76,915,000 | 85,735,000 | 84,610,000 |
| Securities held to maturity | 39,106,000 | 40,463,000 | 40,044,000 | 41,146,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,461,000 | 324,904,000 | 326,988,000 | 326,617,000 |
| Interest-bearing deposits | 221,239,000 | 219,055,000 | 220,772,000 | 219,738,000 |
| Noninterest-bearing deposits | 108,222,000 | 105,849,000 | 106,216,000 | 106,879,000 |
| Equity capital | 29,268,000 | 31,014,000 | 31,678,000 | 31,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,924,000 | 5,976,000 | 9,142,000 | 12,367,000 |
| Interest expense | 69,000 | 139,000 | 211,000 | 275,000 |
| Net interest income | 2,855,000 | 5,837,000 | 8,931,000 | 12,092,000 |
| Noninterest income | 1,158,000 | 2,610,000 | 4,082,000 | 5,601,000 |
| Noninterest expense | 2,776,000 | 5,468,000 | 8,102,000 | 10,770,000 |
| Provision for loan losses | 14,000 | 27,000 | 31,000 | 31,000 |
| Pretax income | 1,250,000 | 2,980,000 | 4,908,000 | 6,920,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,250,000 | 2,980,000 | 4,908,000 | 6,920,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,852,000 | 31,782,000 | 32,709,000 | 32,972,000 |
| Total capital | 33,327,000 | 34,261,000 | 35,173,000 | 35,482,000 |
| Risk-weighted assets | 197,273,000 | 197,821,000 | 196,149,000 | 199,865,000 |