Call reports 2002
FIRST CHARTER BANK — 2002
What FIRST CHARTER BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 3,379,689,000 | 3,464,221,000 | 3,677,051,000 | 3,726,842,000 |
| Total loans | 2,029,460,000 | 2,125,564,000 | 2,241,671,000 | 2,230,874,000 |
| Allowance for loan losses | 26,576,000 | 27,213,000 | 27,411,000 | 27,204,000 |
| Securities available for sale | 1,062,974,000 | 1,062,222,000 | 1,162,213,000 | 1,086,797,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,224,879,000 | 2,277,880,000 | 2,342,682,000 | 2,346,894,000 |
| Interest-bearing deposits | 1,952,445,000 | 1,980,636,000 | 2,011,204,000 | 2,016,722,000 |
| Noninterest-bearing deposits | 272,434,000 | 297,244,000 | 331,478,000 | 330,172,000 |
| Equity capital | 285,253,000 | 298,488,000 | 312,184,000 | 312,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 49,023,000 | 98,357,000 | 148,101,000 | 196,216,000 |
| Interest expense | 21,340,000 | 42,020,000 | 62,636,000 | 82,543,000 |
| Net interest income | 27,683,000 | 56,337,000 | 85,465,000 | 113,673,000 |
| Noninterest income | 10,147,000 | 20,899,000 | 30,729,000 | 42,390,000 |
| Noninterest expense | 24,598,000 | 48,937,000 | 70,946,000 | 98,263,000 |
| Provision for loan losses | 2,105,000 | 4,345,000 | 6,095,000 | 8,270,000 |
| Pretax income | 14,069,000 | 27,472,000 | 43,578,000 | 59,263,000 |
| Income tax | 3,841,000 | 7,500,000 | 11,897,000 | 16,179,000 |
| Net income | 10,228,000 | 19,972,000 | 31,681,000 | 43,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 270,550,000 | 268,664,000 | 275,099,000 | 278,998,000 |
| Total capital | 297,126,000 | 295,877,000 | 302,510,000 | 306,202,000 |
| Risk-weighted assets | 2,259,471,000 | 2,348,241,000 | 2,469,723,000 | 2,499,228,000 |