Call reports 2009
CHARTER PRIVATE BANK — 2009
What CHARTER PRIVATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 442,296,000 | 482,347,000 | 384,352,000 | 358,736,000 |
| Total loans | 209,270,000 | 180,764,000 | 189,600,000 | 181,859,000 |
| Allowance for loan losses | 14,103,000 | 14,290,000 | 12,035,000 | 9,472,000 |
| Securities available for sale | 163,944,000 | 235,436,000 | 99,576,000 | 120,950,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 304,782,000 | 346,731,000 | 289,329,000 | 268,454,000 |
| Interest-bearing deposits | 256,057,000 | 299,470,000 | 214,240,000 | 183,649,000 |
| Noninterest-bearing deposits | 48,725,000 | 47,261,000 | 75,089,000 | 84,805,000 |
| Equity capital | 31,916,000 | 33,980,000 | 39,709,000 | 36,048,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,681,000 | 9,500,000 | 13,498,000 | 17,138,000 |
| Interest expense | 1,930,000 | 4,156,000 | 6,367,000 | 7,520,000 |
| Net interest income | 2,751,000 | 5,344,000 | 7,131,000 | 9,618,000 |
| Noninterest income | 32,000 | 144,000 | 123,000 | -920,000 |
| Noninterest expense | 3,390,000 | 8,350,000 | 12,262,000 | 16,839,000 |
| Provision for loan losses | 5,990,000 | 7,140,000 | 8,890,000 | 12,140,000 |
| Pretax income | -4,585,000 | -8,011,000 | -10,921,000 | -16,962,000 |
| Income tax | -1,605,000 | -2,804,000 | -3,822,000 | -6,181,000 |
| Net income | -2,980,000 | -5,207,000 | -7,099,000 | -10,781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,893,000 | 33,275,000 | 36,501,000 | 36,397,000 |
| Total capital | 33,132,000 | 36,308,000 | 39,218,000 | 38,984,000 |
| Risk-weighted assets | 248,127,000 | 231,308,000 | 207,892,000 | 199,939,000 |