Call reports 2012
CHARTER BANK — 2012
What CHARTER BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 233,147,000 | 223,862,000 | 228,782,000 | 226,984,000 |
| Total loans | 117,563,000 | 118,064,000 | 124,252,000 | 121,576,000 |
| Allowance for loan losses | 1,753,000 | 1,732,000 | 1,825,000 | 1,858,000 |
| Securities available for sale | 85,394,000 | 89,891,000 | 91,183,000 | 87,360,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,015,000 | 202,387,000 | 189,161,000 | 194,640,000 |
| Interest-bearing deposits | 125,088,000 | 120,344,000 | 106,294,000 | 109,874,000 |
| Noninterest-bearing deposits | 87,927,000 | 82,043,000 | 82,867,000 | 84,766,000 |
| Equity capital | 17,362,000 | 19,032,000 | 19,816,000 | 19,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,394,000 | 6,877,000 | 10,495,000 | 14,163,000 |
| Interest expense | 103,000 | 217,000 | 322,000 | 421,000 |
| Net interest income | 3,291,000 | 6,660,000 | 10,173,000 | 13,742,000 |
| Noninterest income | 435,000 | 884,000 | 1,329,000 | 1,781,000 |
| Noninterest expense | 2,005,000 | 3,964,000 | 6,036,000 | 8,286,000 |
| Provision for loan losses | 25,000 | 150,000 | 260,000 | 310,000 |
| Pretax income | 1,696,000 | 3,430,000 | 5,206,000 | 6,990,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,696,000 | 3,430,000 | 5,206,000 | 6,990,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,626,000 | 14,211,000 | 14,387,000 | 14,347,000 |
| Total capital | 15,200,000 | 15,793,000 | 16,037,000 | 15,952,000 |
| Risk-weighted assets | 125,755,000 | 126,370,000 | 131,810,000 | 128,176,000 |