Call reports 2001
COMMUNITY FIRSTBANK OF CHARLESTON — 2001
What COMMUNITY FIRSTBANK OF CHARLESTON reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 136,156,000 | 143,255,000 | 129,866,000 | 136,466,000 |
| Total loans | 117,985,000 | 131,807,000 | 118,817,000 | 122,488,000 |
| Allowance for loan losses | 1,240,000 | 1,390,000 | 1,428,000 | 1,462,000 |
| Securities available for sale | 5,103,000 | 5,103,000 | 5,128,000 | 8,100,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,602,000 | 110,023,000 | 102,507,000 | 111,206,000 |
| Interest-bearing deposits | 87,210,000 | 96,288,000 | 94,608,000 | 102,393,000 |
| Noninterest-bearing deposits | 19,392,000 | 13,735,000 | 7,899,000 | 8,813,000 |
| Equity capital | 8,919,000 | 11,209,000 | 11,682,000 | 12,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,497,000 | 5,214,000 | 7,744,000 | 10,106,000 |
| Interest expense | 1,441,000 | 2,914,000 | 4,235,000 | 5,322,000 |
| Net interest income | 1,056,000 | 2,300,000 | 3,509,000 | 4,784,000 |
| Noninterest income | 120,000 | 284,000 | 671,000 | 882,000 |
| Noninterest expense | 793,000 | 1,578,000 | 2,389,000 | 3,255,000 |
| Provision for loan losses | 150,000 | 300,000 | 350,000 | 380,000 |
| Pretax income | 233,000 | 706,000 | 1,441,000 | 2,031,000 |
| Income tax | 88,000 | 268,000 | 548,000 | 772,000 |
| Net income | 145,000 | 438,000 | 893,000 | 1,259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,855,000 | 11,148,000 | 11,602,000 | 11,969,000 |
| Total capital | 10,095,000 | 12,538,000 | 13,030,000 | 13,400,000 |
| Risk-weighted assets | 113,885,000 | 123,303,000 | 113,761,000 | 114,405,000 |