Call reports 2002
CHARTER BANK — 2002
What CHARTER BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 83,150,000 | 85,952,000 | 93,377,000 | 94,258,000 |
| Total loans | 56,983,000 | 59,643,000 | 61,832,000 | 64,501,000 |
| Allowance for loan losses | 765,000 | 813,000 | 845,000 | 863,000 |
| Securities available for sale | 17,708,000 | 18,136,000 | 19,613,000 | 21,409,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,821,000 | 77,412,000 | 82,948,000 | 81,577,000 |
| Interest-bearing deposits | 53,745,000 | 53,218,000 | 56,937,000 | 57,715,000 |
| Noninterest-bearing deposits | 22,076,000 | 24,194,000 | 26,011,000 | 23,862,000 |
| Equity capital | 5,582,000 | 6,353,000 | 7,020,000 | 7,139,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,583,000 | 3,256,000 | 5,029,000 | 6,824,000 |
| Interest expense | 282,000 | 537,000 | 793,000 | 1,031,000 |
| Net interest income | 1,301,000 | 2,719,000 | 4,236,000 | 5,793,000 |
| Noninterest income | 254,000 | 538,000 | 873,000 | 1,215,000 |
| Noninterest expense | 968,000 | 1,979,000 | 3,063,000 | 4,183,000 |
| Provision for loan losses | 41,000 | 106,000 | 146,000 | 206,000 |
| Pretax income | 620,000 | 1,268,000 | 2,000,000 | 2,719,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 620,000 | 1,268,000 | 2,000,000 | 2,719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,357,000 | 5,694,000 | 5,849,000 | 6,156,000 |
| Total capital | 6,122,000 | 6,492,000 | 6,681,000 | 7,015,000 |
| Risk-weighted assets | 61,240,000 | 63,851,000 | 66,516,000 | 68,689,000 |