Call reports 2004
CHARTER ONE BANK, NATIONAL ASSOCIATION — 2004
What CHARTER ONE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 41,341,524,000 | 42,582,445,000 | 50,534,862,000 | 50,893,179,000 |
| Total loans | 30,217,085,000 | 33,032,681,000 | 34,343,724,000 | 33,358,634,000 |
| Allowance for loan losses | 384,842,000 | 374,236,000 | 346,776,000 | 339,371,000 |
| Securities available for sale | 7,707,034,000 | 5,996,018,000 | 61,106,000 | 4,937,799,000 |
| Securities held to maturity | 215,820,000 | 189,059,000 | 161,597,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,350,501,000 | 27,609,168,000 | 28,834,885,000 | 28,473,605,000 |
| Interest-bearing deposits | 23,581,785,000 | 23,774,470,000 | 25,043,268,000 | 24,477,261,000 |
| Noninterest-bearing deposits | 3,768,716,000 | 3,834,698,000 | 3,791,617,000 | 3,996,344,000 |
| Equity capital | 2,959,347,000 | 3,055,185,000 | 10,617,927,000 | 10,746,040,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 492,206,000 | 974,923,000 | 170,271,000 | 671,582,000 |
| Interest expense | 189,236,000 | 366,113,000 | 61,658,000 | 240,965,000 |
| Net interest income | 302,970,000 | 608,810,000 | 108,613,000 | 430,617,000 |
| Noninterest income | 94,515,000 | 274,430,000 | 42,875,000 | 180,073,000 |
| Noninterest expense | 381,141,000 | 600,204,000 | 97,190,000 | 396,970,000 |
| Provision for loan losses | 18,616,000 | 25,776,000 | 7,502,000 | 30,017,000 |
| Pretax income | 70,211,000 | 307,591,000 | 47,188,000 | 184,073,000 |
| Income tax | 21,039,000 | 95,094,000 | 15,721,000 | 61,683,000 |
| Net income | 49,172,000 | 212,497,000 | 31,467,000 | 122,390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,490,438,000 | 2,645,541,000 | 2,452,820,000 | 2,431,058,000 |
| Total capital | 3,474,349,000 | 3,618,105,000 | 3,399,596,000 | 3,370,429,000 |
| Risk-weighted assets | 31,106,785,000 | 32,539,007,000 | 33,335,698,000 | 31,816,652,000 |