Call reports 2012
CHARTERBANK — 2012
What CHARTERBANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,071,847,000 | 1,051,722,000 | 1,033,020,000 | 1,033,556,000 |
| Total loans | 649,748,000 | 629,262,000 | 606,115,000 | 590,174,000 |
| Allowance for loan losses | 9,025,000 | 9,334,000 | 9,211,000 | 9,433,000 |
| Securities available for sale | 192,673,000 | 199,140,000 | 189,379,000 | 179,246,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 853,743,000 | 830,291,000 | 815,897,000 | 819,367,000 |
| Interest-bearing deposits | 777,937,000 | 751,082,000 | 734,627,000 | 740,049,000 |
| Noninterest-bearing deposits | 75,806,000 | 79,209,000 | 81,270,000 | 79,318,000 |
| Equity capital | 130,684,000 | 133,708,000 | 130,740,000 | 131,617,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 12,739,000 | 24,599,000 | 35,846,000 | 46,963,000 |
| Interest expense | 2,884,000 | 5,192,000 | 7,352,000 | 9,443,000 |
| Net interest income | 9,855,000 | 19,407,000 | 28,494,000 | 37,520,000 |
| Noninterest income | 2,276,000 | 4,635,000 | 8,027,000 | 11,154,000 |
| Noninterest expense | 9,161,000 | 19,898,000 | 28,456,000 | 36,778,000 |
| Provision for loan losses | 590,000 | 965,000 | 2,402,000 | 2,796,000 |
| Pretax income | 2,207,000 | 3,006,000 | 5,797,000 | 9,454,000 |
| Income tax | 695,000 | -145,000 | 779,000 | 1,990,000 |
| Net income | 1,512,000 | 3,151,000 | 5,018,000 | 7,464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 127,153,000 | 128,932,000 | 124,931,000 | 126,504,000 |
| Total capital | 128,028,000 | 137,166,000 | 133,626,000 | 134,223,000 |
| Risk-weighted assets | 592,630,000 | 657,632,000 | 695,122,000 | 615,809,000 |
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