Call reports 2009
CHARTER OAK BANK — 2009
What CHARTER OAK 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 | 146,628,000 | 143,348,000 | 154,198,000 | 153,379,000 |
| Total loans | 129,481,000 | 134,959,000 | 132,691,000 | 130,043,000 |
| Allowance for loan losses | 1,899,000 | 2,644,000 | 2,524,000 | 3,079,000 |
| Securities available for sale | 0 | 0 | 78,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,552,000 | 111,540,000 | 123,162,000 | 128,095,000 |
| Interest-bearing deposits | 90,910,000 | 85,053,000 | 95,226,000 | 98,723,000 |
| Noninterest-bearing deposits | 23,642,000 | 26,487,000 | 27,936,000 | 29,372,000 |
| Equity capital | 17,435,000 | 17,227,000 | 17,453,000 | 13,758,000 |
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 | 1,863,000 | 3,886,000 | 5,925,000 | 7,905,000 |
| Interest expense | 423,000 | 828,000 | 1,217,000 | 1,622,000 |
| Net interest income | 1,440,000 | 3,058,000 | 4,708,000 | 6,283,000 |
| Noninterest income | 120,000 | 232,000 | 347,000 | 485,000 |
| Noninterest expense | 1,264,000 | 2,582,000 | 3,872,000 | 5,066,000 |
| Provision for loan losses | 97,000 | 841,000 | 1,131,000 | 5,341,000 |
| Pretax income | 199,000 | -133,000 | 52,000 | -3,639,000 |
| Income tax | 76,000 | 0 | 7,000 | 1,000 |
| Net income | 123,000 | -133,000 | 45,000 | -3,640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,435,000 | 17,227,000 | 17,453,000 | 13,758,000 |
| Total capital | 19,300,000 | 19,123,000 | 19,342,000 | 15,657,000 |
| Risk-weighted assets | 149,126,000 | 150,943,000 | 150,459,000 | 150,671,000 |