Call reports 2003
CHARTER ONE BANK, NATIONAL ASSOCIATION — 2003
What CHARTER ONE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 43,342,398,000 | 43,621,972,000 | 43,364,890,000 | 42,698,804,000 |
| Total loans | 25,385,320,000 | 25,579,320,000 | 28,466,646,000 | 28,683,442,000 |
| Allowance for loan losses | 355,926,000 | 371,445,000 | 389,355,000 | 383,733,000 |
| Securities available for sale | 13,027,663,000 | 14,528,349,000 | 11,345,033,000 | 10,467,229,000 |
| Securities held to maturity | 449,364,000 | 366,459,000 | 296,288,000 | 254,955,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,758,239,000 | 27,867,775,000 | 28,411,432,000 | 27,597,405,000 |
| Interest-bearing deposits | 25,073,486,000 | 24,927,836,000 | 25,365,589,000 | 24,752,735,000 |
| Noninterest-bearing deposits | 2,684,753,000 | 2,939,939,000 | 3,045,843,000 | 2,844,670,000 |
| Equity capital | 2,946,056,000 | 2,959,450,000 | 2,946,165,000 | 2,900,499,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 550,252,000 | 1,090,610,000 | 1,612,345,000 | 2,123,288,000 |
| Interest expense | 252,191,000 | 501,576,000 | 737,068,000 | 964,035,000 |
| Net interest income | 298,061,000 | 589,034,000 | 875,277,000 | 1,159,253,000 |
| Noninterest income | 81,282,000 | 146,214,000 | 309,385,000 | 424,700,000 |
| Noninterest expense | 188,457,000 | 373,784,000 | 583,782,000 | 798,182,000 |
| Provision for loan losses | 61,471,000 | 96,831,000 | 134,494,000 | 152,272,000 |
| Pretax income | 211,792,000 | 448,216,000 | 680,162,000 | 906,384,000 |
| Income tax | 66,096,000 | 139,897,000 | 212,367,000 | 283,158,000 |
| Net income | 145,696,000 | 308,319,000 | 467,795,000 | 623,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,315,457,000 | 2,334,177,000 | 2,378,384,000 | 2,416,175,000 |
| Total capital | 3,404,813,000 | 3,434,153,000 | 3,495,020,000 | 3,538,485,000 |
| Risk-weighted assets | 27,974,624,000 | 28,839,946,000 | 30,194,192,000 | 30,596,199,000 |