Call reports 2012
CHARTER BANK — 2012
What CHARTER BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 126,862,000 | 126,200,000 | 129,740,000 | 132,663,000 |
| Total loans | 59,545,000 | 59,870,000 | 61,817,000 | 59,035,000 |
| Allowance for loan losses | 446,000 | 480,000 | 480,000 | 462,000 |
| Securities available for sale | 49,705,000 | 50,358,000 | 53,467,000 | 53,121,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,912,000 | 112,588,000 | 115,465,000 | 118,536,000 |
| Interest-bearing deposits | 95,567,000 | 95,338,000 | 96,699,000 | 98,019,000 |
| Noninterest-bearing deposits | 18,345,000 | 17,250,000 | 18,766,000 | 20,517,000 |
| Equity capital | 12,130,000 | 12,722,000 | 13,273,000 | 13,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,313,000 | 2,615,000 | 3,926,000 | 5,189,000 |
| Interest expense | 260,000 | 501,000 | 731,000 | 955,000 |
| Net interest income | 1,053,000 | 2,114,000 | 3,195,000 | 4,234,000 |
| Noninterest income | 112,000 | 232,000 | 350,000 | 463,000 |
| Noninterest expense | 653,000 | 1,310,000 | 1,964,000 | 2,631,000 |
| Provision for loan losses | 0 | 19,000 | 19,000 | 37,000 |
| Pretax income | 512,000 | 1,069,000 | 1,628,000 | 2,095,000 |
| Income tax | 131,000 | 280,000 | 434,000 | 553,000 |
| Net income | 381,000 | 789,000 | 1,194,000 | 1,542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,151,000 | 11,559,000 | 11,965,000 | 12,138,000 |
| Total capital | 11,597,000 | 12,039,000 | 12,445,000 | 12,600,000 |
| Risk-weighted assets | 71,588,000 | 71,479,000 | 73,429,000 | 70,760,000 |