Call reports 2009
CHARTER BANK — 2009
What CHARTER BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 151,060,000 | 148,861,000 | 151,477,000 | 149,413,000 |
| Total loans | 94,370,000 | 91,254,000 | 88,947,000 | 86,751,000 |
| Allowance for loan losses | 1,446,000 | 1,424,000 | 1,621,000 | 1,433,000 |
| Securities available for sale | 47,652,000 | 48,726,000 | 53,384,000 | 53,610,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,999,000 | 137,914,000 | 137,888,000 | 127,346,000 |
| Interest-bearing deposits | 96,135,000 | 97,757,000 | 97,226,000 | 86,398,000 |
| Noninterest-bearing deposits | 39,864,000 | 40,157,000 | 40,662,000 | 40,948,000 |
| Equity capital | 8,858,000 | 9,293,000 | 12,110,000 | 11,966,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,634,000 | 5,234,000 | 7,845,000 | 10,457,000 |
| Interest expense | 355,000 | 679,000 | 945,000 | 1,173,000 |
| Net interest income | 2,279,000 | 4,555,000 | 6,900,000 | 9,284,000 |
| Noninterest income | 410,000 | 778,000 | 1,177,000 | 1,556,000 |
| Noninterest expense | 1,743,000 | 3,424,000 | 4,713,000 | 6,326,000 |
| Provision for loan losses | 235,000 | 530,000 | 885,000 | 1,098,000 |
| Pretax income | 790,000 | 1,510,000 | 2,638,000 | 3,576,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 790,000 | 1,510,000 | 2,638,000 | 3,576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,846,000 | 8,906,000 | 9,969,000 | 10,397,000 |
| Total capital | 10,082,000 | 10,107,000 | 11,177,000 | 11,600,000 |
| Risk-weighted assets | 98,713,000 | 95,885,000 | 96,209,000 | 95,990,000 |