Call reports 2010
CHARTER BANK — 2010
What CHARTER BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 540,547,000 | 559,025,000 | 544,115,000 | 533,080,000 |
| Total loans | 359,932,000 | 350,540,000 | 352,785,000 | 350,434,000 |
| Allowance for loan losses | 6,264,000 | 6,472,000 | 6,403,000 | 7,767,000 |
| Securities available for sale | 160,412,000 | 166,183,000 | 164,584,000 | 162,134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 428,265,000 | 441,698,000 | 436,741,000 | 430,536,000 |
| Interest-bearing deposits | 408,427,000 | 417,946,000 | 415,016,000 | 404,563,000 |
| Noninterest-bearing deposits | 19,838,000 | 23,752,000 | 21,725,000 | 25,973,000 |
| Equity capital | 62,976,000 | 68,005,000 | 70,168,000 | 62,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 7,271,000 | 14,616,000 | 21,880,000 | 29,199,000 |
| Interest expense | 1,811,000 | 3,579,000 | 5,234,000 | 6,772,000 |
| Net interest income | 5,460,000 | 11,037,000 | 16,646,000 | 22,427,000 |
| Noninterest income | 15,000 | 36,000 | 370,000 | 1,732,000 |
| Noninterest expense | 2,062,000 | 4,009,000 | 5,931,000 | 8,169,000 |
| Provision for loan losses | 1,650,000 | 3,300,000 | 5,475,000 | 10,325,000 |
| Pretax income | 1,819,000 | 4,121,000 | 6,355,000 | 6,729,000 |
| Income tax | 0 | 0 | 0 | 14,000 |
| Net income | 1,819,000 | 4,121,000 | 6,355,000 | 6,715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,793,000 | 61,603,000 | 63,421,000 | 62,978,000 |
| Total capital | 64,797,000 | 66,515,000 | 68,305,000 | 67,839,000 |
| Risk-weighted assets | 399,056,000 | 391,381,000 | 389,222,000 | 385,957,000 |