Call reports 2006
CHARTER ONE BANK, NATIONAL ASSOCIATION — 2006
What CHARTER ONE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 43,998,297,000 | 45,903,254,000 | 46,369,172,000 | 45,991,789,000 |
| Total loans | 30,355,398,000 | 31,760,692,000 | 31,766,449,000 | 31,471,321,000 |
| Allowance for loan losses | 221,184,000 | 222,841,000 | 217,052,000 | 213,839,000 |
| Securities available for sale | 5,491,784,000 | 5,350,431,000 | 5,258,736,000 | 4,319,787,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 14,011,000 | 24,015,000 | 22,032,000 | 23,182,000 |
| Total deposits | 20,629,183,000 | 21,917,543,000 | 20,645,116,000 | 20,372,137,000 |
| Interest-bearing deposits | 17,191,369,000 | 18,401,615,000 | 17,409,087,000 | 19,116,753,000 |
| Noninterest-bearing deposits | 3,437,814,000 | 3,515,928,000 | 3,236,029,000 | 1,255,384,000 |
| Equity capital | 7,800,999,000 | 7,915,699,000 | 7,951,199,000 | 8,025,212,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 503,683,000 | 1,049,434,000 | 1,627,859,000 | 2,203,966,000 |
| Interest expense | 277,129,000 | 583,683,000 | 919,923,000 | 1,266,616,000 |
| Net interest income | 226,554,000 | 465,751,000 | 707,936,000 | 937,350,000 |
| Noninterest income | 96,926,000 | 268,210,000 | 391,098,000 | 579,231,000 |
| Noninterest expense | 211,220,000 | 445,665,000 | 654,668,000 | 872,653,000 |
| Provision for loan losses | 19,035,000 | 2,468,000 | 16,646,000 | 48,301,000 |
| Pretax income | 93,289,000 | 273,746,000 | 418,522,000 | 588,133,000 |
| Income tax | 30,971,000 | 98,265,000 | 149,249,000 | 191,653,000 |
| Net income | 62,318,000 | 175,481,000 | 269,273,000 | 396,480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,302,317,000 | 2,406,313,000 | 2,495,875,000 | 2,616,928,000 |
| Total capital | 3,088,081,000 | 3,195,290,000 | 3,286,871,000 | 3,406,862,000 |
| Risk-weighted assets | 27,573,668,000 | 28,944,626,000 | 28,999,061,000 | 28,920,570,000 |