Call reports 2003
CHARTER BANK — 2003
What CHARTER BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 97,576,000 | 110,370,000 | 108,659,000 | 118,570,000 |
| Total loans | 65,762,000 | 65,183,000 | 65,529,000 | 73,894,000 |
| Allowance for loan losses | 880,000 | 910,000 | 931,000 | 929,000 |
| Securities available for sale | 19,972,000 | 26,913,000 | 31,669,000 | 35,843,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,931,000 | 100,256,000 | 96,935,000 | 102,554,000 |
| Interest-bearing deposits | 59,311,000 | 67,729,000 | 66,418,000 | 73,528,000 |
| Noninterest-bearing deposits | 28,620,000 | 32,527,000 | 30,517,000 | 29,026,000 |
| Equity capital | 7,454,000 | 8,015,000 | 7,307,000 | 7,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,802,000 | 3,894,000 | 5,818,000 | 7,789,000 |
| Interest expense | 226,000 | 448,000 | 668,000 | 874,000 |
| Net interest income | 1,576,000 | 3,446,000 | 5,150,000 | 6,915,000 |
| Noninterest income | 348,000 | 688,000 | 1,034,000 | 1,450,000 |
| Noninterest expense | 1,165,000 | 2,263,000 | 3,421,000 | 4,594,000 |
| Provision for loan losses | 155,000 | 215,000 | 265,000 | 325,000 |
| Pretax income | 712,000 | 1,764,000 | 2,606,000 | 3,554,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 712,000 | 1,764,000 | 2,606,000 | 3,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,128,000 | 6,303,000 | 6,401,000 | 6,549,000 |
| Total capital | 7,002,000 | 7,196,000 | 7,304,000 | 7,478,000 |
| Risk-weighted assets | 69,933,000 | 71,415,000 | 72,233,000 | 74,516,000 |