Call reports 2005
CHARTER BANK — 2005
What CHARTER BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 383,757,000 | 396,428,000 | 406,586,000 | 415,761,000 |
| Total loans | 252,930,000 | 261,322,000 | 264,159,000 | 275,039,000 |
| Allowance for loan losses | 3,580,000 | 3,607,000 | 3,691,000 | 3,705,000 |
| Securities available for sale | 117,758,000 | 120,370,000 | 123,098,000 | 122,121,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 314,373,000 | 324,496,000 | 329,483,000 | 336,420,000 |
| Interest-bearing deposits | 295,903,000 | 303,740,000 | 304,901,000 | 308,565,000 |
| Noninterest-bearing deposits | 18,470,000 | 20,756,000 | 24,582,000 | 27,855,000 |
| Equity capital | 45,154,000 | 48,215,000 | 49,521,000 | 50,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,336,000 | 11,044,000 | 16,980,000 | 23,132,000 |
| Interest expense | 1,823,000 | 3,991,000 | 6,375,000 | 9,020,000 |
| Net interest income | 3,513,000 | 7,053,000 | 10,605,000 | 14,112,000 |
| Noninterest income | 305,000 | 596,000 | 891,000 | 1,177,000 |
| Noninterest expense | 1,196,000 | 2,319,000 | 3,452,000 | 4,785,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 540,000 |
| Pretax income | 2,587,000 | 5,306,000 | 7,951,000 | 10,313,000 |
| Income tax | 593,000 | 1,200,000 | 1,776,000 | 2,234,000 |
| Net income | 1,994,000 | 4,106,000 | 6,175,000 | 8,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,081,000 | 47,192,000 | 49,260,000 | 51,161,000 |
| Total capital | 48,582,000 | 50,621,000 | 52,775,000 | 54,790,000 |
| Risk-weighted assets | 279,984,000 | 274,224,000 | 281,061,000 | 290,207,000 |