Call reports 2004
CHARTER BANK — 2004
What CHARTER BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 112,626,000 | 110,277,000 | 119,363,000 | 127,995,000 |
| Total loans | 68,627,000 | 70,648,000 | 71,550,000 | 76,652,000 |
| Allowance for loan losses | 946,000 | 943,000 | 948,000 | 978,000 |
| Securities available for sale | 31,673,000 | 30,327,000 | 34,028,000 | 38,113,000 |
| Securities held to maturity | 0 | 0 | 998,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,096,000 | 97,536,000 | 109,245,000 | 113,683,000 |
| Interest-bearing deposits | 66,943,000 | 67,095,000 | 76,786,000 | 82,354,000 |
| Noninterest-bearing deposits | 31,153,000 | 30,441,000 | 32,459,000 | 31,329,000 |
| Equity capital | 7,991,000 | 6,682,000 | 7,704,000 | 7,960,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,975,000 | 3,977,000 | 6,027,000 | 8,303,000 |
| Interest expense | 207,000 | 403,000 | 625,000 | 880,000 |
| Net interest income | 1,768,000 | 3,574,000 | 5,402,000 | 7,423,000 |
| Noninterest income | 351,000 | 684,000 | 1,041,000 | 1,379,000 |
| Noninterest expense | 1,216,000 | 2,444,000 | 3,661,000 | 4,874,000 |
| Provision for loan losses | 65,000 | 90,000 | 135,000 | 200,000 |
| Pretax income | 954,000 | 1,840,000 | 2,763,000 | 3,844,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 954,000 | 1,840,000 | 2,763,000 | 3,844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,498,000 | 6,714,000 | 6,852,000 | 7,364,000 |
| Total capital | 7,420,000 | 7,657,000 | 7,800,000 | 8,342,000 |
| Risk-weighted assets | 73,754,000 | 75,640,000 | 77,788,000 | 83,436,000 |