Call reports 2007
CHARTER BANK — 2007
What CHARTER BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 144,240,000 | 137,733,000 | 139,792,000 | 155,409,000 |
| Total loans | 89,578,000 | 90,812,000 | 89,527,000 | 88,755,000 |
| Allowance for loan losses | 1,095,000 | 1,098,000 | 1,198,000 | 883,000 |
| Securities available for sale | 36,540,000 | 34,508,000 | 37,838,000 | 55,576,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,326,000 | 123,218,000 | 129,110,000 | 144,804,000 |
| Interest-bearing deposits | 88,613,000 | 80,907,000 | 90,316,000 | 105,597,000 |
| Noninterest-bearing deposits | 45,713,000 | 42,311,000 | 38,794,000 | 39,207,000 |
| Equity capital | 8,186,000 | 7,678,000 | 8,321,000 | 8,480,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,631,000 | 5,359,000 | 8,149,000 | 10,839,000 |
| Interest expense | 590,000 | 1,191,000 | 1,854,000 | 2,528,000 |
| Net interest income | 2,041,000 | 4,168,000 | 6,295,000 | 8,311,000 |
| Noninterest income | 339,000 | 662,000 | 1,007,000 | 1,505,000 |
| Noninterest expense | 1,354,000 | 2,768,000 | 4,249,000 | 5,668,000 |
| Provision for loan losses | 145,000 | 180,000 | 290,000 | 490,000 |
| Pretax income | 881,000 | 1,863,000 | 2,744,000 | 3,639,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 881,000 | 1,863,000 | 2,744,000 | 3,639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,370,000 | 8,483,000 | 8,439,000 | 8,488,000 |
| Total capital | 9,465,000 | 9,581,000 | 9,625,000 | 9,371,000 |
| Risk-weighted assets | 94,580,000 | 94,993,000 | 94,842,000 | 93,609,000 |