Call reports 2009
CHARTER BANK — 2009
What CHARTER BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 521,404,000 | 528,449,000 | 546,293,000 | 535,532,000 |
| Total loans | 355,327,000 | 360,213,000 | 358,982,000 | 356,854,000 |
| Allowance for loan losses | 3,778,000 | 4,274,000 | 4,753,000 | 5,744,000 |
| Securities available for sale | 145,355,000 | 148,880,000 | 158,240,000 | 157,319,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 420,927,000 | 420,869,000 | 436,348,000 | 422,966,000 |
| Interest-bearing deposits | 403,556,000 | 403,864,000 | 416,186,000 | 404,719,000 |
| Noninterest-bearing deposits | 17,371,000 | 17,005,000 | 20,162,000 | 18,247,000 |
| Equity capital | 51,184,000 | 53,940,000 | 62,113,000 | 60,709,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,409,000 | 14,775,000 | 22,286,000 | 29,590,000 |
| Interest expense | 3,074,000 | 5,778,000 | 8,163,000 | 10,210,000 |
| Net interest income | 4,335,000 | 8,997,000 | 14,123,000 | 19,380,000 |
| Noninterest income | 337,000 | 705,000 | 1,024,000 | 2,187,000 |
| Noninterest expense | 1,804,000 | 3,765,000 | 5,491,000 | 7,513,000 |
| Provision for loan losses | 900,000 | 1,825,000 | 3,750,000 | 7,950,000 |
| Pretax income | 1,929,000 | 3,827,000 | 5,873,000 | 6,403,000 |
| Income tax | 0 | 0 | 0 | 261,000 |
| Net income | 1,929,000 | 3,827,000 | 5,873,000 | 6,142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,556,000 | 58,432,000 | 58,602,000 | 58,886,000 |
| Total capital | 60,334,000 | 62,706,000 | 63,355,000 | 63,881,000 |
| Risk-weighted assets | 400,648,000 | 406,241,000 | 404,365,000 | 398,829,000 |