Call reports 2020
CHARLOTTE STATE BANK & TRUST — 2020
What CHARLOTTE STATE BANK & TRUST reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 407,359,000 | 448,572,000 | 458,679,000 | 473,998,000 |
| Total loans | 205,630,000 | 216,691,000 | 232,343,000 | 228,138,000 |
| Allowance for loan losses | 4,330,000 | 4,321,000 | 4,334,000 | 4,346,000 |
| Securities available for sale | 68,569,000 | 68,575,000 | 81,219,000 | 80,592,000 |
| Securities held to maturity | 34,743,000 | 35,448,000 | 34,454,000 | 37,036,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 364,589,000 | 403,656,000 | 412,431,000 | 427,831,000 |
| Interest-bearing deposits | 236,299,000 | 253,849,000 | 264,359,000 | 275,817,000 |
| Noninterest-bearing deposits | 128,290,000 | 149,807,000 | 148,072,000 | 152,014,000 |
| Equity capital | 41,777,000 | 43,448,000 | 44,914,000 | 44,906,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,551,000 | 6,876,000 | 10,324,000 | 13,874,000 |
| Interest expense | 136,000 | 208,000 | 273,000 | 325,000 |
| Net interest income | 3,415,000 | 6,668,000 | 10,051,000 | 13,549,000 |
| Noninterest income | 1,958,000 | 3,772,000 | 5,799,000 | 8,053,000 |
| Noninterest expense | 3,206,000 | 6,274,000 | 9,388,000 | 12,523,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,337,000 | 4,338,000 | 6,634,000 | 9,251,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,337,000 | 4,338,000 | 6,634,000 | 9,251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,398,000 | 41,279,000 | 42,326,000 | 42,542,000 |