Call reports 2003
CHARTER PRIVATE BANK — 2003
What CHARTER PRIVATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 171,996,000 | 170,127,000 | 186,978,000 | 194,291,000 |
| Total loans | 121,127,000 | 125,115,000 | 130,658,000 | 137,525,000 |
| Allowance for loan losses | 1,921,000 | 1,934,000 | 1,965,000 | 1,951,000 |
| Securities available for sale | 28,541,000 | 31,755,000 | 39,349,000 | 37,539,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,924,000 | 139,488,000 | 150,924,000 | 161,992,000 |
| Interest-bearing deposits | 120,419,000 | 115,379,000 | 123,071,000 | 124,321,000 |
| Noninterest-bearing deposits | 22,504,000 | 24,108,000 | 27,853,000 | 37,671,000 |
| Equity capital | 12,901,000 | 13,360,000 | 13,639,000 | 13,944,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,321,000 | 4,649,000 | 7,082,000 | 9,617,000 |
| Interest expense | 551,000 | 1,044,000 | 1,550,000 | 2,049,000 |
| Net interest income | 1,770,000 | 3,605,000 | 5,532,000 | 7,568,000 |
| Noninterest income | 154,000 | 273,000 | 433,000 | 568,000 |
| Noninterest expense | 1,656,000 | 3,082,000 | 4,449,000 | 5,736,000 |
| Provision for loan losses | 60,000 | 75,000 | 105,000 | 230,000 |
| Pretax income | 459,000 | 978,000 | 1,662,000 | 2,421,000 |
| Income tax | 154,000 | 319,000 | 539,000 | 797,000 |
| Net income | 305,000 | 659,000 | 1,123,000 | 1,624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,563,000 | 12,917,000 | 13,381,000 | 13,882,000 |
| Total capital | 14,205,000 | 14,585,000 | 15,153,000 | 15,724,000 |
| Risk-weighted assets | 130,819,000 | 133,158,000 | 141,586,000 | 147,155,000 |