Call reports 2005
FIRST CHARTER BANK — 2005
What FIRST CHARTER BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 4,497,686,000 | 4,620,118,000 | 4,685,763,000 | 4,227,445,000 |
| Total loans | 2,710,196,000 | 2,866,319,000 | 2,937,453,000 | 2,952,193,000 |
| Allowance for loan losses | 27,483,000 | 29,032,000 | 29,788,000 | 28,725,000 |
| Securities available for sale | 1,376,021,000 | 1,353,322,000 | 1,318,216,000 | 854,725,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,763,967,000 | 2,801,945,000 | 2,913,486,000 | 2,863,538,000 |
| Interest-bearing deposits | 2,299,722,000 | 2,344,402,000 | 2,452,463,000 | 2,369,721,000 |
| Noninterest-bearing deposits | 464,245,000 | 457,543,000 | 461,023,000 | 493,817,000 |
| Equity capital | 302,004,000 | 338,398,000 | 371,666,000 | 365,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 51,265,000 | 106,868,000 | 165,929,000 | 224,567,000 |
| Interest expense | 20,466,000 | 44,524,000 | 71,816,000 | 97,489,000 |
| Net interest income | 30,799,000 | 62,344,000 | 94,113,000 | 127,078,000 |
| Noninterest income | 15,529,000 | 33,164,000 | 50,187,000 | 66,858,000 |
| Noninterest expense | 28,469,000 | 58,199,000 | 87,121,000 | 131,096,000 |
| Provision for loan losses | 1,900,000 | 4,778,000 | 7,548,000 | 9,343,000 |
| Pretax income | 15,910,000 | 32,500,000 | 49,612,000 | 36,807,000 |
| Income tax | 5,410,000 | 10,562,000 | 15,131,000 | 9,828,000 |
| Net income | 10,500,000 | 21,938,000 | 34,481,000 | 26,979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 296,258,000 | 327,875,000 | 365,348,000 | 363,113,000 |
| Total capital | 323,741,000 | 356,907,000 | 395,136,000 | 391,838,000 |
| Risk-weighted assets | 3,082,120,000 | 3,278,290,000 | 3,371,829,000 | 3,327,066,000 |