Call reports 2004
CHARTER PRIVATE BANK — 2004
What CHARTER PRIVATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 194,013,000 | 205,508,000 | 211,221,000 | 231,412,000 |
| Total loans | 131,959,000 | 142,108,000 | 139,676,000 | 158,498,000 |
| Allowance for loan losses | 1,993,000 | 1,979,000 | 1,979,000 | 1,977,000 |
| Securities available for sale | 29,478,000 | 49,214,000 | 53,365,000 | 53,188,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,174,000 | 162,264,000 | 164,831,000 | 188,636,000 |
| Interest-bearing deposits | 123,871,000 | 130,530,000 | 130,365,000 | 149,791,000 |
| Noninterest-bearing deposits | 34,303,000 | 31,734,000 | 34,466,000 | 38,845,000 |
| Equity capital | 14,499,000 | 14,157,000 | 15,063,000 | 15,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,403,000 | 4,958,000 | 7,735,000 | 10,724,000 |
| Interest expense | 481,000 | 997,000 | 1,617,000 | 2,377,000 |
| Net interest income | 1,922,000 | 3,961,000 | 6,118,000 | 8,347,000 |
| Noninterest income | 147,000 | 316,000 | 463,000 | 634,000 |
| Noninterest expense | 1,606,000 | 3,221,000 | 4,765,000 | 6,325,000 |
| Provision for loan losses | 44,000 | 52,000 | 52,000 | 52,000 |
| Pretax income | 576,000 | 1,161,000 | 1,902,000 | 2,801,000 |
| Income tax | 178,000 | 363,000 | 600,000 | 887,000 |
| Net income | 398,000 | 798,000 | 1,302,000 | 1,914,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,280,000 | 14,680,000 | 15,184,000 | 15,796,000 |
| Total capital | 16,044,000 | 16,598,000 | 17,106,000 | 17,902,000 |
| Risk-weighted assets | 140,808,000 | 153,215,000 | 153,586,000 | 171,399,000 |
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