Call reports 2012
CHARTER BANK — 2012
What CHARTER BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 545,955,000 | 554,861,000 | 564,990,000 | 582,324,000 |
| Total loans | 354,906,000 | 357,862,000 | 355,356,000 | 361,591,000 |
| Allowance for loan losses | 11,386,000 | 11,885,000 | 11,692,000 | 10,383,000 |
| Securities available for sale | 171,198,000 | 176,528,000 | 182,128,000 | 178,881,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 433,481,000 | 441,400,000 | 452,721,000 | 480,011,000 |
| Interest-bearing deposits | 401,275,000 | 404,075,000 | 416,457,000 | 438,218,000 |
| Noninterest-bearing deposits | 32,206,000 | 37,325,000 | 36,264,000 | 41,793,000 |
| Equity capital | 77,763,000 | 79,095,000 | 82,092,000 | 82,037,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,060,000 | 14,056,000 | 21,071,000 | 28,168,000 |
| Interest expense | 1,026,000 | 1,991,000 | 2,951,000 | 3,911,000 |
| Net interest income | 6,034,000 | 12,065,000 | 18,120,000 | 24,257,000 |
| Noninterest income | 190,000 | 521,000 | 713,000 | 793,000 |
| Noninterest expense | 2,256,000 | 4,298,000 | 6,361,000 | 9,011,000 |
| Provision for loan losses | 950,000 | 2,000,000 | 3,050,000 | 3,950,000 |
| Pretax income | 3,288,000 | 6,860,000 | 10,583,000 | 13,627,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 3,283,000 | 6,855,000 | 10,578,000 | 13,622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,268,000 | 70,440,000 | 71,322,000 | 71,606,000 |
| Total capital | 75,229,000 | 75,506,000 | 76,366,000 | 76,677,000 |
| Risk-weighted assets | 390,480,000 | 398,499,000 | 396,846,000 | 400,397,000 |