Call reports 2003
FIRST CHARTER BANK — 2003
What FIRST CHARTER BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 3,972,647,000 | 3,969,997,000 | 4,069,785,000 | 4,188,672,000 |
| Total loans | 2,147,332,000 | 2,109,770,000 | 2,124,076,000 | 2,257,774,000 |
| Allowance for loan losses | 26,495,000 | 23,644,000 | 23,953,000 | 25,607,000 |
| Securities available for sale | 1,398,411,000 | 1,469,037,000 | 1,544,562,000 | 1,539,785,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,520,750,000 | 2,582,219,000 | 2,508,560,000 | 2,466,561,000 |
| Interest-bearing deposits | 2,184,266,000 | 2,217,373,000 | 2,144,173,000 | 2,101,220,000 |
| Noninterest-bearing deposits | 336,484,000 | 364,846,000 | 364,387,000 | 365,341,000 |
| Equity capital | 315,558,000 | 306,339,000 | 295,726,000 | 292,388,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 45,351,000 | 90,476,000 | 133,685,000 | 178,220,000 |
| Interest expense | 18,664,000 | 37,604,000 | 54,483,000 | 69,893,000 |
| Net interest income | 26,687,000 | 52,872,000 | 79,202,000 | 108,327,000 |
| Noninterest income | 14,427,000 | 26,510,000 | 41,018,000 | 54,289,000 |
| Noninterest expense | 26,108,000 | 58,974,000 | 85,517,000 | 127,173,000 |
| Provision for loan losses | 2,051,000 | 21,543,000 | 23,943,000 | 27,518,000 |
| Pretax income | 14,181,000 | 8,377,000 | 20,342,000 | 17,986,000 |
| Income tax | 4,134,000 | 2,220,000 | 5,390,000 | 3,390,000 |
| Net income | 10,047,000 | 6,157,000 | 14,952,000 | 14,596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 283,103,000 | 272,213,000 | 272,349,000 | 266,297,000 |
| Total capital | 309,598,000 | 295,857,000 | 296,302,000 | 291,904,000 |
| Risk-weighted assets | 2,536,443,000 | 2,507,071,000 | 2,575,871,000 | 2,706,517,000 |