Call reports 2005
CHARTER ONE BANK, NATIONAL ASSOCIATION — 2005
What CHARTER ONE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 53,044,196,000 | 40,934,028,000 | 41,614,186,000 | 41,397,196,000 |
| Total loans | 34,412,040,000 | 26,555,925,000 | 27,594,548,000 | 27,819,527,000 |
| Allowance for loan losses | 327,744,000 | 230,805,000 | 232,710,000 | 217,537,000 |
| Securities available for sale | 6,458,717,000 | 4,393,563,000 | 4,474,554,000 | 4,751,449,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 8,343,000 |
| Total deposits | 28,787,089,000 | 20,320,519,000 | 19,935,408,000 | 20,319,555,000 |
| Interest-bearing deposits | 24,696,992,000 | 16,567,734,000 | 16,657,259,000 | 17,068,189,000 |
| Noninterest-bearing deposits | 4,090,097,000 | 3,752,785,000 | 3,278,149,000 | 3,251,366,000 |
| Equity capital | 10,817,984,000 | 7,392,130,000 | 7,453,067,000 | 7,513,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 526,499,000 | 997,338,000 | 1,441,220,000 | 1,900,612,000 |
| Interest expense | 204,108,000 | 409,988,000 | 626,775,000 | 867,249,000 |
| Net interest income | 322,391,000 | 587,350,000 | 814,445,000 | 1,033,363,000 |
| Noninterest income | 132,913,000 | 298,467,000 | 435,895,000 | 580,569,000 |
| Noninterest expense | 338,475,000 | 647,115,000 | 928,400,000 | 1,188,056,000 |
| Provision for loan losses | 15,400,000 | 22,835,000 | 53,885,000 | 67,869,000 |
| Pretax income | 104,828,000 | 229,110,000 | 282,400,000 | 376,897,000 |
| Income tax | 35,492,000 | 76,923,000 | 94,137,000 | 111,011,000 |
| Net income | 69,336,000 | 152,187,000 | 188,263,000 | 265,886,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,518,718,000 | 1,867,455,000 | 1,887,697,000 | 2,040,880,000 |
| Total capital | 3,446,462,000 | 2,698,260,000 | 2,720,412,000 | 2,861,212,000 |
| Risk-weighted assets | 32,290,753,000 | 24,540,721,000 | 25,487,382,000 | 25,198,791,000 |