Call reports 2006
CHARTER BANK — 2006
What CHARTER BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 420,783,000 | 424,662,000 | 427,868,000 | 440,244,000 |
| Total loans | 278,471,000 | 279,968,000 | 287,550,000 | 291,093,000 |
| Allowance for loan losses | 3,647,000 | 3,564,000 | 3,638,000 | 3,652,000 |
| Securities available for sale | 124,829,000 | 119,300,000 | 120,719,000 | 119,864,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 340,521,000 | 342,573,000 | 332,631,000 | 341,171,000 |
| Interest-bearing deposits | 319,096,000 | 318,767,000 | 311,548,000 | 317,921,000 |
| Noninterest-bearing deposits | 21,425,000 | 23,806,000 | 21,083,000 | 23,250,000 |
| Equity capital | 52,384,000 | 53,543,000 | 57,430,000 | 50,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,374,000 | 12,982,000 | 19,829,000 | 26,947,000 |
| Interest expense | 2,956,000 | 6,199,000 | 9,633,000 | 13,301,000 |
| Net interest income | 3,418,000 | 6,783,000 | 10,196,000 | 13,646,000 |
| Noninterest income | 286,000 | 593,000 | 877,000 | 1,145,000 |
| Noninterest expense | 1,281,000 | 2,443,000 | 3,564,000 | 5,073,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 2,369,000 | 4,848,000 | 7,409,000 | 9,562,000 |
| Income tax | 444,000 | 966,000 | 1,544,000 | 2,025,000 |
| Net income | 1,925,000 | 3,882,000 | 5,865,000 | 7,537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,094,000 | 55,050,000 | 57,036,000 | 49,878,000 |
| Total capital | 56,741,000 | 58,614,000 | 60,674,000 | 53,530,000 |
| Risk-weighted assets | 298,778,000 | 300,756,000 | 313,379,000 | 320,616,000 |