Call reports 2007
CHARTER PRIVATE BANK — 2007
What CHARTER PRIVATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 293,793,000 | 318,642,000 | 382,609,000 | 381,266,000 |
| Total loans | 228,769,000 | 241,143,000 | 248,710,000 | 246,807,000 |
| Allowance for loan losses | 2,377,000 | 2,447,000 | 2,565,000 | 2,604,000 |
| Securities available for sale | 39,331,000 | 57,999,000 | 52,681,000 | 49,212,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,870,000 | 226,028,000 | 216,641,000 | 221,477,000 |
| Interest-bearing deposits | 177,134,000 | 171,216,000 | 166,947,000 | 180,602,000 |
| Noninterest-bearing deposits | 49,736,000 | 54,812,000 | 49,694,000 | 40,875,000 |
| Equity capital | 24,588,000 | 25,099,000 | 83,060,000 | 84,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,358,000 | 11,145,000 | 6,817,000 | 13,352,000 |
| Interest expense | 2,253,000 | 4,733,000 | 2,676,000 | 5,336,000 |
| Net interest income | 3,105,000 | 6,412,000 | 4,141,000 | 8,016,000 |
| Noninterest income | 147,000 | 289,000 | 140,000 | 289,000 |
| Noninterest expense | 2,143,000 | 4,409,000 | 2,603,000 | 5,445,000 |
| Provision for loan losses | 69,000 | 145,000 | 119,000 | 170,000 |
| Pretax income | 1,040,000 | 2,147,000 | 1,559,000 | 2,690,000 |
| Income tax | 333,000 | 687,000 | 523,000 | 844,000 |
| Net income | 707,000 | 1,460,000 | 1,036,000 | 1,846,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,095,000 | 25,848,000 | 28,615,000 | 29,761,000 |
| Total capital | 27,572,000 | 28,395,000 | 31,280,000 | 32,465,000 |
| Risk-weighted assets | 253,675,000 | 266,991,000 | 272,766,000 | 272,347,000 |