Call reports 2004
FIRST CHARTER BANK — 2004
What FIRST CHARTER BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 4,229,701,000 | 4,329,034,000 | 4,393,690,000 | 4,416,196,000 |
| Total loans | 2,297,835,000 | 2,374,805,000 | 2,430,443,000 | 2,444,727,000 |
| Allowance for loan losses | 25,736,000 | 26,052,000 | 26,859,000 | 26,872,000 |
| Securities available for sale | 1,559,329,000 | 1,541,656,000 | 1,567,898,000 | 1,588,105,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,539,174,000 | 2,642,588,000 | 2,594,608,000 | 2,675,675,000 |
| Interest-bearing deposits | 2,154,309,000 | 2,226,027,000 | 2,188,907,000 | 2,232,053,000 |
| Noninterest-bearing deposits | 384,865,000 | 416,561,000 | 405,701,000 | 443,622,000 |
| Equity capital | 301,306,000 | 277,857,000 | 301,777,000 | 304,351,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 45,210,000 | 90,096,000 | 137,174,000 | 187,253,000 |
| Interest expense | 14,666,000 | 29,372,000 | 45,468,000 | 63,511,000 |
| Net interest income | 30,544,000 | 60,724,000 | 91,706,000 | 123,742,000 |
| Noninterest income | 14,361,000 | 28,674,000 | 42,647,000 | 57,703,000 |
| Noninterest expense | 28,249,000 | 55,851,000 | 82,348,000 | 109,899,000 |
| Provision for loan losses | 3,000,000 | 5,000,000 | 6,600,000 | 8,425,000 |
| Pretax income | 13,851,000 | 28,562,000 | 46,130,000 | 64,142,000 |
| Income tax | 4,529,000 | 9,340,000 | 15,725,000 | 21,912,000 |
| Net income | 9,322,000 | 19,222,000 | 30,405,000 | 42,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 270,266,000 | 276,463,000 | 281,955,000 | 287,619,000 |
| Total capital | 296,002,000 | 302,515,000 | 308,814,000 | 314,491,000 |
| Risk-weighted assets | 2,738,776,000 | 2,832,435,000 | 2,896,891,000 | 2,939,785,000 |