Call reports 2006
CHARTER PRIVATE BANK — 2006
What CHARTER PRIVATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 261,139,000 | 266,810,000 | 279,084,000 | 321,672,000 |
| Total loans | 201,778,000 | 209,415,000 | 221,435,000 | 220,933,000 |
| Allowance for loan losses | 2,223,000 | 2,219,000 | 2,299,000 | 2,309,000 |
| Securities available for sale | 39,380,000 | 38,393,000 | 38,184,000 | 37,676,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,698,000 | 211,541,000 | 219,562,000 | 249,600,000 |
| Interest-bearing deposits | 165,923,000 | 165,333,000 | 171,567,000 | 199,625,000 |
| Noninterest-bearing deposits | 43,775,000 | 46,208,000 | 47,995,000 | 49,975,000 |
| Equity capital | 19,640,000 | 20,736,000 | 22,558,000 | 23,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,262,000 | 9,068,000 | 14,263,000 | 19,634,000 |
| Interest expense | 1,499,000 | 3,305,000 | 5,329,000 | 7,541,000 |
| Net interest income | 2,763,000 | 5,763,000 | 8,934,000 | 12,093,000 |
| Noninterest income | 180,000 | 318,000 | 471,000 | 614,000 |
| Noninterest expense | 1,994,000 | 4,049,000 | 5,932,000 | 7,736,000 |
| Provision for loan losses | 55,000 | 56,000 | 136,000 | 146,000 |
| Pretax income | 804,000 | 1,886,000 | 3,247,000 | 4,735,000 |
| Income tax | 258,000 | 604,000 | 1,040,000 | 1,456,000 |
| Net income | 546,000 | 1,282,000 | 2,207,000 | 3,279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,622,000 | 21,858,000 | 23,283,000 | 24,355,000 |
| Total capital | 22,945,000 | 24,177,000 | 25,682,000 | 26,764,000 |
| Risk-weighted assets | 215,273,000 | 223,266,000 | 237,732,000 | 251,915,000 |