Call reports 2021
CHARLOTTE STATE BANK & TRUST — 2021
What CHARLOTTE STATE BANK & TRUST reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 528,760,000 | 580,438,000 | 585,588,000 | 598,756,000 |
| Total loans | 227,933,000 | 223,611,000 | 217,051,000 | 221,623,000 |
| Allowance for loan losses | 4,395,000 | 4,441,000 | 5,315,000 | 4,004,000 |
| Securities available for sale | 76,673,000 | 77,151,000 | 75,648,000 | 70,119,000 |
| Securities held to maturity | 56,014,000 | 58,056,000 | 65,807,000 | 68,436,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 481,260,000 | 530,355,000 | 533,179,000 | 548,486,000 |
| Interest-bearing deposits | 298,316,000 | 318,144,000 | 327,172,000 | 341,959,000 |
| Noninterest-bearing deposits | 182,944,000 | 212,211,000 | 206,007,000 | 206,527,000 |
| Equity capital | 45,671,000 | 48,421,000 | 50,869,000 | 48,793,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,229,000 | 6,538,000 | 10,228,000 | 13,500,000 |
| Interest expense | 50,000 | 96,000 | 146,000 | 195,000 |
| Net interest income | 3,179,000 | 6,442,000 | 10,082,000 | 13,305,000 |
| Noninterest income | 2,153,000 | 4,398,000 | 6,656,000 | 8,318,000 |
| Noninterest expense | 3,324,000 | 6,579,000 | 9,834,000 | 13,928,000 |
| Provision for loan losses | 0 | 0 | 0 | -1,300,000 |
| Pretax income | 2,008,000 | 4,261,000 | 6,904,000 | 8,995,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,008,000 | 4,261,000 | 6,904,000 | 8,995,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,300,000 | 46,553,000 | 49,196,000 | 47,987,000 |
| Total capital | — | — | 52,052,000 | 50,879,000 |
| Risk-weighted assets | — | — | 226,052,000 | 230,294,000 |