Call reports 2007
FIRST CHARTER BANK — 2007
What FIRST CHARTER BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 4,878,774,000 | 4,911,004,000 | 4,833,990,000 | 4,854,243,000 |
| Total loans | 3,543,560,000 | 3,565,306,000 | 3,487,768,000 | 3,517,151,000 |
| Allowance for loan losses | 35,854,000 | 44,790,000 | 43,017,000 | 42,414,000 |
| Securities available for sale | 846,913,000 | 843,452,000 | 853,661,000 | 859,155,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 621,000 | 559,000 | 0 | 0 |
| Total deposits | 3,363,198,000 | 3,320,453,000 | 3,242,238,000 | 3,305,637,000 |
| Interest-bearing deposits | 3,215,944,000 | 3,143,713,000 | 3,125,379,000 | 3,131,217,000 |
| Noninterest-bearing deposits | 147,255,000 | 176,740,000 | 116,859,000 | 174,421,000 |
| Equity capital | 480,289,000 | 481,001,000 | 491,653,000 | 499,322,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 77,132,000 | 155,412,000 | 234,129,000 | 309,787,000 |
| Interest expense | 39,221,000 | 78,742,000 | 118,888,000 | 157,787,000 |
| Net interest income | 37,911,000 | 76,670,000 | 115,241,000 | 152,000,000 |
| Noninterest income | 19,564,000 | 39,756,000 | 58,276,000 | 78,297,000 |
| Noninterest expense | 35,712,000 | 70,744,000 | 106,265,000 | 142,001,000 |
| Provision for loan losses | 1,366,000 | 10,490,000 | 13,801,000 | 19,945,000 |
| Pretax income | 20,292,000 | 35,087,000 | 53,298,000 | 68,206,000 |
| Income tax | 7,106,000 | 11,992,000 | 18,234,000 | 23,251,000 |
| Net income | 13,186,000 | 23,095,000 | 35,064,000 | 44,955,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 407,213,000 | 411,177,000 | 417,614,000 | 417,979,000 |
| Total capital | 443,067,000 | 455,967,000 | 460,631,000 | 460,393,000 |
| Risk-weighted assets | 4,037,230,000 | 4,069,560,000 | 3,970,680,000 | 3,993,300,000 |