Call reports 2010
CHARTER BANK — 2010
What CHARTER BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 144,293,000 | 146,300,000 | 151,308,000 | 158,936,000 |
| Total loans | 87,759,000 | 90,899,000 | 92,214,000 | 91,165,000 |
| Allowance for loan losses | 1,513,000 | 1,583,000 | 1,634,000 | 1,583,000 |
| Securities available for sale | 45,674,000 | 47,912,000 | 51,182,000 | 60,369,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,240,000 | 131,150,000 | 134,904,000 | 145,905,000 |
| Interest-bearing deposits | 90,711,000 | 89,539,000 | 91,306,000 | 94,921,000 |
| Noninterest-bearing deposits | 39,529,000 | 41,611,000 | 43,598,000 | 50,984,000 |
| Equity capital | 12,212,000 | 11,869,000 | 13,296,000 | 12,097,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,447,000 | 4,963,000 | 7,569,000 | 10,157,000 |
| Interest expense | 195,000 | 382,000 | 562,000 | 718,000 |
| Net interest income | 2,252,000 | 4,581,000 | 7,007,000 | 9,439,000 |
| Noninterest income | 248,000 | 686,000 | 1,173,000 | 1,574,000 |
| Noninterest expense | 1,700,000 | 3,375,000 | 5,093,000 | 6,871,000 |
| Provision for loan losses | 150,000 | 225,000 | 375,000 | 405,000 |
| Pretax income | 950,000 | 1,967,000 | 3,013,000 | 4,000,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 950,000 | 1,967,000 | 3,013,000 | 4,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,422,000 | 10,479,000 | 10,644,000 | 11,051,000 |
| Total capital | 11,604,000 | 11,690,000 | 11,887,000 | 12,284,000 |
| Risk-weighted assets | 94,216,000 | 96,542,000 | 99,067,000 | 98,279,000 |
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