Call reports 2011
CHARTER BANK — 2011
What CHARTER BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q4 |
|---|---|
| Total assets | 125,633,000 |
| Total loans | 61,249,000 |
| Allowance for loan losses | 445,000 |
| Securities available for sale | 45,675,000 |
| Securities held to maturity | 0 |
| Trading assets | 0 |
| Total deposits | 112,998,000 |
| Interest-bearing deposits | 93,918,000 |
| Noninterest-bearing deposits | 19,080,000 |
| Equity capital | 11,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q4 |
|---|---|
| Interest income | 5,370,000 |
| Interest expense | 1,179,000 |
| Net interest income | 4,191,000 |
| Noninterest income | 400,000 |
| Noninterest expense | 2,648,000 |
| Provision for loan losses | -60,000 |
| Pretax income | 2,003,000 |
| Income tax | 499,000 |
| Net income | 1,504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q4 |
|---|---|
| Tier 1 capital | 10,921,000 |
| Total capital | 11,366,000 |
| Risk-weighted assets | 71,660,000 |