Call reports 2019
CHARLOTTE STATE BANK & TRUST — 2019
What CHARLOTTE STATE BANK & TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 368,572,000 | 373,553,000 | 379,290,000 | 381,717,000 |
| Total loans | 207,032,000 | 213,705,000 | 213,312,000 | 209,110,000 |
| Allowance for loan losses | 3,544,000 | 4,078,000 | 4,326,000 | 4,325,000 |
| Securities available for sale | 81,096,000 | 83,055,000 | 77,325,000 | 75,743,000 |
| Securities held to maturity | 38,806,000 | 37,988,000 | 37,361,000 | 35,470,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,708,000 | 334,775,000 | 338,628,000 | 341,489,000 |
| Interest-bearing deposits | 215,562,000 | 216,028,000 | 220,194,000 | 226,586,000 |
| Noninterest-bearing deposits | 117,146,000 | 118,747,000 | 118,434,000 | 114,903,000 |
| Equity capital | 34,768,000 | 37,708,000 | 39,469,000 | 39,331,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,509,000 | 7,182,000 | 11,006,000 | 14,674,000 |
| Interest expense | 153,000 | 331,000 | 501,000 | 665,000 |
| Net interest income | 3,356,000 | 6,851,000 | 10,505,000 | 14,009,000 |
| Noninterest income | 1,642,000 | 3,405,000 | 5,318,000 | 7,341,000 |
| Noninterest expense | 2,957,000 | 6,066,000 | 9,031,000 | 12,017,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,041,000 | 4,190,000 | 6,872,000 | 9,415,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,041,000 | 4,190,000 | 6,872,000 | 9,415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,888,000 | 37,237,000 | 38,618,000 | 39,062,000 |
| Total capital | 38,486,000 | 39,882,000 | 41,260,000 | 41,629,000 |
| Risk-weighted assets | 206,961,000 | 210,223,000 | 209,714,000 | 203,623,000 |