Call reports 2002
CHARTER PRIVATE BANK — 2002
What CHARTER PRIVATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 144,206,000 | 143,945,000 | 154,333,000 | 165,870,000 |
| Total loans | 105,942,000 | 111,307,000 | 114,970,000 | 123,982,000 |
| Allowance for loan losses | 1,595,000 | 1,703,000 | 1,772,000 | 1,862,000 |
| Securities available for sale | 16,517,000 | 20,593,000 | 26,954,000 | 23,927,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,497,000 | 118,039,000 | 122,813,000 | 138,709,000 |
| Interest-bearing deposits | 103,308,000 | 98,943,000 | 101,122,000 | 114,683,000 |
| Noninterest-bearing deposits | 22,190,000 | 19,097,000 | 21,691,000 | 24,026,000 |
| Equity capital | 10,821,000 | 11,769,000 | 12,342,000 | 12,761,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,072,000 | 4,235,000 | 6,430,000 | 8,739,000 |
| Interest expense | 629,000 | 1,288,000 | 1,911,000 | 2,509,000 |
| Net interest income | 1,443,000 | 2,947,000 | 4,519,000 | 6,230,000 |
| Noninterest income | 193,000 | 333,000 | 526,000 | 673,000 |
| Noninterest expense | 1,303,000 | 2,574,000 | 3,856,000 | 5,126,000 |
| Provision for loan losses | 143,000 | 266,000 | 351,000 | 441,000 |
| Pretax income | 340,000 | 691,000 | 1,089,000 | 1,587,000 |
| Income tax | 116,000 | 235,000 | 371,000 | 504,000 |
| Net income | 224,000 | 456,000 | 718,000 | 1,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,899,000 | 11,631,000 | 11,894,000 | 12,258,000 |
| Total capital | 12,353,000 | 13,135,000 | 13,452,000 | 13,916,000 |
| Risk-weighted assets | 116,296,000 | 120,085,000 | 124,439,000 | 132,434,000 |