Call reports 2008
CHARTER BANK — 2008
What CHARTER BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 145,119,000 | 152,814,000 | 155,110,000 | 156,327,000 |
| Total loans | 89,555,000 | 91,812,000 | 89,271,000 | 94,333,000 |
| Allowance for loan losses | 909,000 | 1,014,000 | 1,144,000 | 1,294,000 |
| Securities available for sale | 45,882,000 | 45,835,000 | 53,295,000 | 52,797,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,320,000 | 140,022,000 | 143,289,000 | 134,483,000 |
| Interest-bearing deposits | 92,543,000 | 98,439,000 | 98,901,000 | 94,864,000 |
| Noninterest-bearing deposits | 39,777,000 | 41,583,000 | 44,388,000 | 39,619,000 |
| Equity capital | 9,506,000 | 8,801,000 | 8,812,000 | 9,025,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,694,000 | 5,349,000 | 8,041,000 | 10,729,000 |
| Interest expense | 610,000 | 1,109,000 | 1,559,000 | 1,983,000 |
| Net interest income | 2,084,000 | 4,240,000 | 6,482,000 | 8,746,000 |
| Noninterest income | 370,000 | 745,000 | 1,122,000 | 1,598,000 |
| Noninterest expense | 1,529,000 | 3,075,000 | 4,586,000 | 6,228,000 |
| Provision for loan losses | 45,000 | 165,000 | 300,000 | 545,000 |
| Pretax income | 880,000 | 1,745,000 | 2,743,000 | 3,602,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 880,000 | 1,745,000 | 2,743,000 | 3,602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,598,000 | 8,903,000 | 8,522,000 | 8,866,000 |
| Total capital | 9,507,000 | 9,917,000 | 9,666,000 | 10,128,000 |
| Risk-weighted assets | 94,903,000 | 98,897,000 | 96,019,000 | 100,964,000 |
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