Call reports 2022
CHARLOTTE STATE BANK & TRUST — 2022
What CHARLOTTE STATE BANK & TRUST reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 646,152,000 | 658,482,000 | 646,290,000 | 670,405,000 |
| Total loans | 217,034,000 | 216,858,000 | 220,419,000 | 227,118,000 |
| Allowance for loan losses | 3,994,000 | 3,979,000 | 3,966,000 | 3,955,000 |
| Securities available for sale | 87,231,000 | 81,765,000 | 84,175,000 | 55,165,000 |
| Securities held to maturity | 87,769,000 | 100,835,000 | 103,094,000 | 142,870,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 597,056,000 | 608,695,000 | 595,902,000 | 621,540,000 |
| Interest-bearing deposits | 367,838,000 | 335,239,000 | 335,830,000 | 338,421,000 |
| Noninterest-bearing deposits | 229,218,000 | 273,456,000 | 260,072,000 | 283,119,000 |
| Equity capital | 47,518,000 | 47,837,000 | 49,013,000 | 48,019,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,259,000 | 6,720,000 | 11,449,000 | 17,569,000 |
| Interest expense | 50,000 | 112,000 | 187,000 | 260,000 |
| Net interest income | 3,209,000 | 6,608,000 | 11,262,000 | 17,309,000 |
| Noninterest income | 2,011,000 | 4,180,000 | 6,036,000 | 8,044,000 |
| Noninterest expense | 3,529,000 | 7,193,000 | 10,764,000 | 14,088,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,692,000 | 3,596,000 | 6,535,000 | 8,715,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,692,000 | 3,596,000 | 6,535,000 | 8,715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,679,000 | 51,583,000 | 54,522,000 | 50,702,000 |
| Total capital | 52,565,000 | 54,302,000 | 57,225,000 | 53,762,000 |
| Risk-weighted assets | 229,818,000 | 216,329,000 | 215,038,000 | 243,947,000 |