Call reports 2001
CHARTER BANK — 2001
What CHARTER BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 72,101,000 | 76,152,000 | 75,846,000 | 79,979,000 |
| Total loans | 46,713,000 | 48,554,000 | 52,775,000 | 54,151,000 |
| Allowance for loan losses | 639,000 | 702,000 | 738,000 | 746,000 |
| Securities available for sale | 14,493,000 | 17,424,000 | 16,653,000 | 18,556,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,887,000 | 68,390,000 | 68,194,000 | 72,561,000 |
| Interest-bearing deposits | 45,131,000 | 47,247,000 | 48,932,000 | 51,558,000 |
| Noninterest-bearing deposits | 18,756,000 | 21,143,000 | 19,262,000 | 21,003,000 |
| Equity capital | 5,083,000 | 5,383,000 | 5,794,000 | 5,322,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,428,000 | 2,937,000 | 4,509,000 | 6,060,000 |
| Interest expense | 493,000 | 981,000 | 1,416,000 | 1,777,000 |
| Net interest income | 935,000 | 1,956,000 | 3,093,000 | 4,283,000 |
| Noninterest income | 243,000 | 487,000 | 746,000 | 976,000 |
| Noninterest expense | 681,000 | 1,429,000 | 2,348,000 | 3,255,000 |
| Provision for loan losses | 56,000 | 121,000 | 166,000 | 227,000 |
| Pretax income | 447,000 | 899,000 | 1,560,000 | 2,012,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 447,000 | 899,000 | 1,560,000 | 2,012,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,510,000 | 4,839,000 | 5,175,000 | 5,236,000 |
| Total capital | 5,149,000 | 5,541,000 | 5,899,000 | 5,969,000 |
| Risk-weighted assets | 53,222,000 | 57,803,000 | 57,912,000 | 58,641,000 |