Call reports 2010
CHARTER PRIVATE BANK — 2010
What CHARTER PRIVATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 344,092,000 | 333,934,000 | 346,612,000 | 366,049,000 |
| Total loans | 179,189,000 | 175,550,000 | 198,220,000 | 203,211,000 |
| Allowance for loan losses | 8,647,000 | 7,689,000 | 6,892,000 | 6,973,000 |
| Securities available for sale | 114,646,000 | 104,808,000 | 112,335,000 | 130,630,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,579,000 | 245,902,000 | 257,557,000 | 267,919,000 |
| Interest-bearing deposits | 145,647,000 | 149,518,000 | 154,328,000 | 161,340,000 |
| Noninterest-bearing deposits | 111,932,000 | 96,384,000 | 103,229,000 | 106,579,000 |
| Equity capital | 36,706,000 | 37,465,000 | 37,524,000 | 36,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,926,000 | 7,171,000 | 10,570,000 | 14,206,000 |
| Interest expense | 778,000 | 1,396,000 | 2,033,000 | 2,654,000 |
| Net interest income | 3,148,000 | 5,775,000 | 8,537,000 | 11,552,000 |
| Noninterest income | 84,000 | 2,000 | 1,000 | -5,000 |
| Noninterest expense | 3,236,000 | 7,068,000 | 11,140,000 | 14,906,000 |
| Provision for loan losses | 0 | -1,250,000 | -2,000,000 | -2,110,000 |
| Pretax income | 239,000 | 683,000 | 790,000 | 168,000 |
| Income tax | 84,000 | 141,000 | 158,000 | -123,000 |
| Net income | 155,000 | 542,000 | 632,000 | 291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,684,000 | 33,302,000 | 33,233,000 | 32,545,000 |
| Total capital | 35,239,000 | 35,798,000 | 35,914,000 | 35,324,000 |
| Risk-weighted assets | 198,157,000 | 194,401,000 | 210,134,000 | 218,000,000 |