Call reports 2003
CHARTER BANK — 2003
What CHARTER BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 309,211,000 | 320,000,000 | 332,331,000 | 336,693,000 |
| Total loans | 213,087,000 | 214,774,000 | 223,132,000 | 228,167,000 |
| Allowance for loan losses | 2,239,000 | 2,403,000 | 2,663,000 | 2,725,000 |
| Securities available for sale | 78,153,000 | 84,428,000 | 89,940,000 | 96,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,780,000 | 276,628,000 | 288,916,000 | 283,689,000 |
| Interest-bearing deposits | 248,972,000 | 258,104,000 | 263,357,000 | 262,216,000 |
| Noninterest-bearing deposits | 16,808,000 | 18,524,000 | 25,559,000 | 21,473,000 |
| Equity capital | 31,581,000 | 33,658,000 | 34,174,000 | 36,436,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,719,000 | 9,453,000 | 14,181,000 | 19,000,000 |
| Interest expense | 1,641,000 | 3,292,000 | 4,857,000 | 6,363,000 |
| Net interest income | 3,078,000 | 6,161,000 | 9,324,000 | 12,637,000 |
| Noninterest income | 299,000 | 670,000 | 996,000 | 1,309,000 |
| Noninterest expense | 1,062,000 | 2,035,000 | 3,006,000 | 4,252,000 |
| Provision for loan losses | 180,000 | 360,000 | 660,000 | 810,000 |
| Pretax income | 2,158,000 | 4,456,000 | 6,674,000 | 9,047,000 |
| Income tax | 507,000 | 1,044,000 | 1,518,000 | 2,031,000 |
| Net income | 1,651,000 | 3,412,000 | 5,156,000 | 7,016,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,432,000 | 31,623,000 | 33,394,000 | 35,232,000 |
| Total capital | 32,671,000 | 34,026,000 | 36,057,000 | 37,957,000 |
| Risk-weighted assets | 235,545,000 | 238,823,000 | 246,610,000 | 250,561,000 |