Call reports 2006
CHARTER BANK — 2006
What CHARTER BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 129,498,000 | 131,630,000 | 139,416,000 | 132,282,000 |
| Total loans | 78,885,000 | 87,726,000 | 86,401,000 | 86,829,000 |
| Allowance for loan losses | 1,010,000 | 1,185,000 | 1,325,000 | 966,000 |
| Securities available for sale | 42,099,000 | 34,256,000 | 42,931,000 | 35,525,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,573,000 | 122,189,000 | 129,275,000 | 121,247,000 |
| Interest-bearing deposits | 78,964,000 | 79,973,000 | 88,590,000 | 79,549,000 |
| Noninterest-bearing deposits | 40,609,000 | 42,216,000 | 40,685,000 | 41,698,000 |
| Equity capital | 6,935,000 | 7,193,000 | 7,780,000 | 7,892,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,308,000 | 4,815,000 | 7,468,000 | 10,184,000 |
| Interest expense | 422,000 | 931,000 | 1,519,000 | 2,127,000 |
| Net interest income | 1,886,000 | 3,884,000 | 5,949,000 | 8,057,000 |
| Noninterest income | 334,000 | 681,000 | 1,027,000 | 1,368,000 |
| Noninterest expense | 1,293,000 | 2,619,000 | 3,882,000 | 5,181,000 |
| Provision for loan losses | 60,000 | 265,000 | 420,000 | 646,000 |
| Pretax income | 925,000 | 1,748,000 | 2,741,000 | 3,665,000 |
| Income tax | 0 | 3,000 | 4,000 | 0 |
| Net income | 925,000 | 1,745,000 | 2,737,000 | 3,665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,282,000 | 7,985,000 | 8,077,000 | 8,080,000 |
| Total capital | 8,292,000 | 9,103,000 | 9,173,000 | 9,046,000 |
| Risk-weighted assets | 82,871,000 | 89,402,000 | 87,443,000 | 89,299,000 |