Call reports 2008
CHARTER BANK — 2008
What CHARTER BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 492,031,000 | 500,099,000 | 506,181,000 | 518,572,000 |
| Total loans | 324,134,000 | 336,003,000 | 344,648,000 | 353,817,000 |
| Allowance for loan losses | 3,416,000 | 3,248,000 | 3,408,000 | 3,157,000 |
| Securities available for sale | 143,351,000 | 143,352,000 | 141,161,000 | 144,225,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,147,000 | 384,503,000 | 403,150,000 | 401,893,000 |
| Interest-bearing deposits | 364,593,000 | 363,604,000 | 381,512,000 | 379,829,000 |
| Noninterest-bearing deposits | 18,554,000 | 20,899,000 | 21,638,000 | 22,064,000 |
| Equity capital | 54,878,000 | 51,607,000 | 45,006,000 | 48,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,733,000 | 15,129,000 | 22,766,000 | 30,213,000 |
| Interest expense | 4,218,000 | 8,163,000 | 11,974,000 | 15,458,000 |
| Net interest income | 3,515,000 | 6,966,000 | 10,792,000 | 14,755,000 |
| Noninterest income | 247,000 | 568,000 | 928,000 | 1,238,000 |
| Noninterest expense | 1,692,000 | 3,223,000 | 4,766,000 | 6,526,000 |
| Provision for loan losses | -200,000 | -250,000 | 100,000 | 1,350,000 |
| Pretax income | 2,339,000 | 4,665,000 | 5,820,000 | 6,516,000 |
| Income tax | 0 | 0 | 0 | -32,000 |
| Net income | 2,339,000 | 4,665,000 | 5,820,000 | 6,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,730,000 | 54,143,000 | 54,503,000 | 55,232,000 |
| Total capital | 57,146,000 | 57,391,000 | 57,911,000 | 58,389,000 |
| Risk-weighted assets | 368,900,000 | 381,908,000 | 390,271,000 | 400,193,000 |