Call reports 2011
CHARTER BANK — 2011
What CHARTER BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 178,790,000 | 187,717,000 | 200,561,000 | 207,637,000 |
| Total loans | 110,735,000 | 110,093,000 | 109,614,000 | 114,340,000 |
| Allowance for loan losses | 1,888,000 | 1,782,000 | 1,792,000 | 1,800,000 |
| Securities available for sale | 54,890,000 | 59,078,000 | 71,195,000 | 79,259,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,063,000 | 170,897,000 | 181,005,000 | 187,322,000 |
| Interest-bearing deposits | 103,254,000 | 102,917,000 | 103,229,000 | 106,120,000 |
| Noninterest-bearing deposits | 58,809,000 | 67,980,000 | 77,776,000 | 81,202,000 |
| Equity capital | 14,461,000 | 15,127,000 | 16,373,000 | 17,550,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,803,000 | 5,859,000 | 8,992,000 | 12,273,000 |
| Interest expense | 159,000 | 308,000 | 447,000 | 575,000 |
| Net interest income | 2,644,000 | 5,551,000 | 8,545,000 | 11,698,000 |
| Noninterest income | 424,000 | 596,000 | 1,015,000 | 1,461,000 |
| Noninterest expense | 1,894,000 | 3,643,000 | 5,513,000 | 7,310,000 |
| Provision for loan losses | 125,000 | 220,000 | 345,000 | 395,000 |
| Pretax income | 1,049,000 | 2,287,000 | 3,706,000 | 5,459,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,049,000 | 2,287,000 | 3,706,000 | 5,459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,771,000 | 12,924,000 | 12,903,000 | 13,611,000 |
| Total capital | 14,253,000 | 14,387,000 | 14,396,000 | 15,159,000 |
| Risk-weighted assets | 118,183,000 | 116,706,000 | 119,119,000 | 123,623,000 |