Call reports 2011
CHARTER BANK — 2011
What CHARTER BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 536,293,000 | 543,909,000 | 542,714,000 | 549,908,000 |
| Total loans | 346,224,000 | 351,057,000 | 344,236,000 | 352,542,000 |
| Allowance for loan losses | 9,340,000 | 10,080,000 | 10,046,000 | 10,639,000 |
| Securities available for sale | 166,347,000 | 159,558,000 | 167,149,000 | 167,117,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 435,479,000 | 441,676,000 | 434,911,000 | 439,011,000 |
| Interest-bearing deposits | 410,878,000 | 415,272,000 | 406,679,000 | 405,995,000 |
| Noninterest-bearing deposits | 24,601,000 | 26,404,000 | 28,232,000 | 33,016,000 |
| Equity capital | 66,555,000 | 67,908,000 | 73,586,000 | 76,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 7,166,000 | 14,381,000 | 21,480,000 | 28,545,000 |
| Interest expense | 1,430,000 | 2,808,000 | 4,151,000 | 5,333,000 |
| Net interest income | 5,736,000 | 11,573,000 | 17,329,000 | 23,212,000 |
| Noninterest income | 184,000 | 475,000 | 733,000 | 1,016,000 |
| Noninterest expense | 2,191,000 | 4,169,000 | 6,044,000 | 8,545,000 |
| Provision for loan losses | 1,700,000 | 2,850,000 | 3,900,000 | 4,950,000 |
| Pretax income | 2,154,000 | 5,505,000 | 8,845,000 | 11,562,000 |
| Income tax | 0 | 0 | 17,000 | 25,000 |
| Net income | 2,154,000 | 5,505,000 | 8,828,000 | 11,537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,712,000 | 67,643,000 | 68,369,000 | 69,984,000 |
| Total capital | 69,526,000 | 72,546,000 | 73,176,000 | 74,885,000 |
| Risk-weighted assets | 380,575,000 | 387,086,000 | 379,304,000 | 386,323,000 |