Call reports 2006
FIRST CHARTER BANK — 2006
What FIRST CHARTER BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 4,278,119,000 | 4,324,051,000 | 4,379,536,000 | 4,394,650,000 |
| Total loans | 3,019,683,000 | 3,080,671,000 | 3,102,706,000 | 3,156,698,000 |
| Allowance for loan losses | 29,505,000 | 29,520,000 | 29,919,000 | 30,694,000 |
| Securities available for sale | 851,017,000 | 828,761,000 | 849,814,000 | 814,688,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 548,000 | 579,000 |
| Total deposits | 2,831,201,000 | 3,004,960,000 | 2,975,293,000 | 2,971,325,000 |
| Interest-bearing deposits | 2,748,409,000 | 2,861,000,000 | 2,855,934,000 | 2,825,658,000 |
| Noninterest-bearing deposits | 82,792,000 | 143,960,000 | 119,359,000 | 145,668,000 |
| Equity capital | 372,059,000 | 377,001,000 | 390,566,000 | 371,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 59,627,000 | 123,281,000 | 190,148,000 | 258,582,000 |
| Interest expense | 26,476,000 | 56,412,000 | 89,282,000 | 123,789,000 |
| Net interest income | 33,151,000 | 66,869,000 | 100,866,000 | 134,793,000 |
| Noninterest income | 18,123,000 | 35,646,000 | 55,631,000 | 73,452,000 |
| Noninterest expense | 31,418,000 | 63,115,000 | 92,949,000 | 125,559,000 |
| Provision for loan losses | 1,519,000 | 2,399,000 | 3,804,000 | 5,230,000 |
| Pretax income | 18,337,000 | 37,027,000 | 53,909,000 | 71,621,000 |
| Income tax | 6,207,000 | 12,615,000 | 18,159,000 | 24,583,000 |
| Net income | 12,130,000 | 24,412,000 | 35,750,000 | 47,038,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 370,823,000 | 380,689,000 | 385,176,000 | 362,969,000 |
| Total capital | 400,328,000 | 410,209,000 | 415,095,000 | 393,663,000 |
| Risk-weighted assets | 3,420,928,000 | 3,498,396,000 | 3,559,191,000 | 3,625,650,000 |