Call reports 2004
CHARTER BANK — 2004
What CHARTER BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 354,306,000 | 364,018,000 | 388,775,000 | 379,695,000 |
| Total loans | 236,437,000 | 242,918,000 | 252,806,000 | 248,466,000 |
| Allowance for loan losses | 2,940,000 | 3,098,000 | 3,279,000 | 3,436,000 |
| Securities available for sale | 105,152,000 | 107,274,000 | 122,319,000 | 116,950,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 303,382,000 | 314,118,000 | 317,090,000 | 317,707,000 |
| Interest-bearing deposits | 284,175,000 | 292,179,000 | 295,837,000 | 295,295,000 |
| Noninterest-bearing deposits | 19,207,000 | 21,939,000 | 21,253,000 | 22,412,000 |
| Equity capital | 39,096,000 | 38,135,000 | 42,211,000 | 43,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,971,000 | 10,008,000 | 15,322,000 | 20,781,000 |
| Interest expense | 1,453,000 | 2,934,000 | 4,524,000 | 6,266,000 |
| Net interest income | 3,518,000 | 7,074,000 | 10,798,000 | 14,515,000 |
| Noninterest income | 287,000 | 579,000 | 849,000 | 1,082,000 |
| Noninterest expense | 1,144,000 | 2,175,000 | 3,260,000 | 4,533,000 |
| Provision for loan losses | 230,000 | 485,000 | 740,000 | 995,000 |
| Pretax income | 2,600,000 | 5,238,000 | 8,015,000 | 10,506,000 |
| Income tax | 577,000 | 1,162,000 | 1,821,000 | 2,662,000 |
| Net income | 2,023,000 | 4,076,000 | 6,194,000 | 7,844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,262,000 | 39,308,000 | 41,421,000 | 43,060,000 |
| Total capital | 40,202,000 | 42,406,000 | 44,700,000 | 46,496,000 |
| Risk-weighted assets | 262,694,000 | 269,993,000 | 288,373,000 | 279,513,000 |