Call reports 2005
CHARTER BANK — 2005
What CHARTER BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 119,530,000 | 122,938,000 | 126,376,000 | 119,457,000 |
| Total loans | 74,958,000 | 76,109,000 | 74,320,000 | 71,320,000 |
| Allowance for loan losses | 960,000 | 1,023,000 | 1,019,000 | 974,000 |
| Securities available for sale | 35,505,000 | 36,817,000 | 39,993,000 | 37,549,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,383,000 | 113,918,000 | 113,951,000 | 110,305,000 |
| Interest-bearing deposits | 76,319,000 | 76,578,000 | 78,088,000 | 73,036,000 |
| Noninterest-bearing deposits | 32,064,000 | 37,340,000 | 35,863,000 | 37,269,000 |
| Equity capital | 7,096,000 | 7,374,000 | 7,280,000 | 6,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,209,000 | 4,455,000 | 6,736,000 | 9,038,000 |
| Interest expense | 299,000 | 613,000 | 969,000 | 1,344,000 |
| Net interest income | 1,910,000 | 3,842,000 | 5,767,000 | 7,694,000 |
| Noninterest income | 349,000 | 692,000 | 1,049,000 | 1,675,000 |
| Noninterest expense | 1,339,000 | 2,618,000 | 3,940,000 | 5,243,000 |
| Provision for loan losses | 15,000 | 70,000 | 95,000 | 95,000 |
| Pretax income | 997,000 | 1,938,000 | 2,881,000 | 4,079,000 |
| Income tax | 0 | 0 | 0 | 5,000 |
| Net income | 997,000 | 1,938,000 | 2,881,000 | 4,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,237,000 | 7,304,000 | 7,246,000 | 7,237,000 |
| Total capital | 8,197,000 | 8,327,000 | 8,261,000 | 8,203,000 |
| Risk-weighted assets | 81,787,000 | 82,816,000 | 81,203,000 | 77,258,000 |