Call reports 2007
CHARTER BANK — 2007
What CHARTER BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 442,755,000 | 457,046,000 | 468,797,000 | 476,020,000 |
| Total loans | 300,401,000 | 304,431,000 | 313,355,000 | 316,897,000 |
| Allowance for loan losses | 3,739,000 | 3,866,000 | 3,957,000 | 3,852,000 |
| Securities available for sale | 123,858,000 | 132,349,000 | 136,492,000 | 139,178,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,810,000 | 360,541,000 | 359,917,000 | 371,427,000 |
| Interest-bearing deposits | 326,354,000 | 334,025,000 | 335,291,000 | 349,772,000 |
| Noninterest-bearing deposits | 20,456,000 | 26,516,000 | 24,626,000 | 21,655,000 |
| Equity capital | 50,962,000 | 49,030,000 | 50,571,000 | 49,948,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,129,000 | 14,563,000 | 22,240,000 | 30,151,000 |
| Interest expense | 3,891,000 | 7,986,000 | 12,306,000 | 16,765,000 |
| Net interest income | 3,238,000 | 6,577,000 | 9,934,000 | 13,386,000 |
| Noninterest income | 296,000 | 644,000 | 981,000 | 1,299,000 |
| Noninterest expense | 1,425,000 | 2,788,000 | 4,071,000 | 5,820,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 2,013,000 | 4,217,000 | 6,510,000 | 8,477,000 |
| Income tax | 1,306,000 | 1,317,000 | 1,322,000 | 1,322,000 |
| Net income | 707,000 | 2,900,000 | 5,188,000 | 7,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,344,000 | 51,020,000 | 52,479,000 | 51,779,000 |
| Total capital | 54,083,000 | 54,886,000 | 56,436,000 | 55,631,000 |
| Risk-weighted assets | 329,731,000 | 348,209,000 | 354,656,000 | 359,022,000 |