Call reports 2001
CHARTER BANK — 2001
What CHARTER BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 200,131,000 | 215,652,000 | 230,177,000 | 244,355,000 |
| Total loans | 128,000,000 | 138,361,000 | 148,495,000 | 165,291,000 |
| Allowance for loan losses | 1,251,000 | 1,326,000 | 1,418,000 | 1,537,000 |
| Securities available for sale | 62,996,000 | 63,439,000 | 64,614,000 | 64,450,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,591,000 | 175,089,000 | 188,936,000 | 198,434,000 |
| Interest-bearing deposits | 146,664,000 | 161,227,000 | 171,203,000 | 180,776,000 |
| Noninterest-bearing deposits | 12,927,000 | 13,862,000 | 17,733,000 | 17,658,000 |
| Equity capital | 20,635,000 | 21,307,000 | 22,787,000 | 23,222,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,893,000 | 7,879,000 | 12,070,000 | 16,275,000 |
| Interest expense | 2,339,000 | 4,633,000 | 6,902,000 | 8,994,000 |
| Net interest income | 1,554,000 | 3,246,000 | 5,168,000 | 7,281,000 |
| Noninterest income | 191,000 | 367,000 | 591,000 | 972,000 |
| Noninterest expense | 723,000 | 1,447,000 | 2,188,000 | 3,175,000 |
| Provision for loan losses | 75,000 | 155,000 | 255,000 | 385,000 |
| Pretax income | 1,048,000 | 2,197,000 | 3,551,000 | 4,928,000 |
| Income tax | 192,000 | 415,000 | 711,000 | 1,002,000 |
| Net income | 856,000 | 1,782,000 | 2,840,000 | 3,926,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,077,000 | 21,003,000 | 22,061,000 | 23,147,000 |
| Total capital | 21,328,000 | 22,329,000 | 23,479,000 | 24,684,000 |
| Risk-weighted assets | 145,225,000 | 158,954,000 | 169,634,000 | 183,013,000 |