Call reports 2018
CHARLOTTE STATE BANK & TRUST — 2018
What CHARLOTTE STATE BANK & TRUST reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 378,382,000 | 377,042,000 | 362,222,000 | 348,341,000 |
| Total loans | 193,009,000 | 196,636,000 | 200,924,000 | 203,047,000 |
| Allowance for loan losses | 3,482,000 | 3,496,000 | 3,521,000 | 3,534,000 |
| Securities available for sale | 86,513,000 | 86,735,000 | 85,232,000 | 81,381,000 |
| Securities held to maturity | 40,453,000 | 40,039,000 | 39,152,000 | 39,649,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,731,000 | 344,723,000 | 329,659,000 | 315,059,000 |
| Interest-bearing deposits | 227,548,000 | 230,885,000 | 215,878,000 | 210,096,000 |
| Noninterest-bearing deposits | 119,183,000 | 113,838,000 | 113,781,000 | 104,963,000 |
| Equity capital | 30,672,000 | 31,250,000 | 31,361,000 | 32,601,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,214,000 | 6,622,000 | 10,126,000 | 13,636,000 |
| Interest expense | 54,000 | 107,000 | 165,000 | 274,000 |
| Net interest income | 3,160,000 | 6,515,000 | 9,961,000 | 13,362,000 |
| Noninterest income | 1,764,000 | 3,466,000 | 5,000,000 | 6,562,000 |
| Noninterest expense | 2,896,000 | 5,695,000 | 8,495,000 | 11,205,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,028,000 | 4,286,000 | 6,466,000 | 8,145,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,028,000 | 4,286,000 | 6,466,000 | 8,145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,950,000 | 34,988,000 | 35,668,000 | 35,347,000 |
| Total capital | 36,414,000 | 37,543,000 | 38,249,000 | 37,880,000 |
| Risk-weighted assets | 196,175,000 | 203,517,000 | 205,579,000 | 201,676,000 |