Call reports 2008
CHARTER PRIVATE BANK — 2008
What CHARTER PRIVATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 376,143,000 | 406,625,000 | 392,691,000 | 416,919,000 |
| Total loans | 253,921,000 | 256,984,000 | 251,913,000 | 233,058,000 |
| Allowance for loan losses | 3,074,000 | 7,160,000 | 7,210,000 | 14,039,000 |
| Securities available for sale | 52,503,000 | 67,362,000 | 118,022,000 | 90,836,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,621,000 | 252,477,000 | 273,679,000 | 289,233,000 |
| Interest-bearing deposits | 172,898,000 | 210,232,000 | 232,034,000 | 227,551,000 |
| Noninterest-bearing deposits | 41,723,000 | 42,245,000 | 41,645,000 | 61,682,000 |
| Equity capital | 84,485,000 | 81,519,000 | 32,327,000 | 28,402,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,820,000 | 11,292,000 | 17,224,000 | 22,723,000 |
| Interest expense | 2,210,000 | 4,023,000 | 6,091,000 | 8,191,000 |
| Net interest income | 3,610,000 | 7,269,000 | 11,133,000 | 14,532,000 |
| Noninterest income | 163,000 | 295,000 | 476,000 | -1,933,000 |
| Noninterest expense | 2,695,000 | 5,492,000 | 58,446,000 | 65,348,000 |
| Provision for loan losses | 470,000 | 5,056,000 | 5,106,000 | 13,606,000 |
| Pretax income | 1,382,000 | -2,210,000 | -51,169,000 | -64,519,000 |
| Income tax | 484,000 | -773,000 | -358,000 | -5,274,000 |
| Net income | 898,000 | -1,437,000 | -50,811,000 | -59,245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,039,000 | 27,481,000 | 28,467,000 | 25,621,000 |
| Total capital | 33,214,000 | 31,016,000 | 32,000,000 | 29,053,000 |
| Risk-weighted assets | 269,238,000 | 279,062,000 | 278,848,000 | 263,857,000 |