Call reports 2005
CHARTER PRIVATE BANK — 2005
What CHARTER PRIVATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 237,160,000 | 245,165,000 | 252,432,000 | 271,620,000 |
| Total loans | 174,339,000 | 181,575,000 | 189,483,000 | 192,469,000 |
| Allowance for loan losses | 1,852,000 | 2,092,000 | 2,172,000 | 2,168,000 |
| Securities available for sale | 47,826,000 | 47,252,000 | 45,448,000 | 44,193,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,656,000 | 197,285,000 | 204,662,000 | 221,255,000 |
| Interest-bearing deposits | 155,529,000 | 155,897,000 | 166,299,000 | 175,052,000 |
| Noninterest-bearing deposits | 33,127,000 | 41,388,000 | 38,363,000 | 46,203,000 |
| Equity capital | 16,445,000 | 18,268,000 | 18,643,000 | 19,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,246,000 | 6,890,000 | 10,888,000 | 15,196,000 |
| Interest expense | 944,000 | 2,092,000 | 3,409,000 | 4,882,000 |
| Net interest income | 2,302,000 | 4,798,000 | 7,479,000 | 10,314,000 |
| Noninterest income | 131,000 | 279,000 | 403,000 | 535,000 |
| Noninterest expense | 1,720,000 | 3,517,000 | 5,308,000 | 7,171,000 |
| Provision for loan losses | 30,000 | 95,000 | 175,000 | 175,000 |
| Pretax income | 641,000 | 1,423,000 | 2,357,000 | 3,461,000 |
| Income tax | 218,000 | 489,000 | 770,000 | 1,096,000 |
| Net income | 423,000 | 934,000 | 1,587,000 | 2,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,220,000 | 18,730,000 | 19,383,000 | 20,162,000 |
| Total capital | 19,349,000 | 20,922,000 | 21,655,000 | 22,430,000 |
| Risk-weighted assets | 188,737,000 | 194,804,000 | 201,534,000 | 212,308,000 |