Call reports 2009
CHARTER BANK — 2009
What CHARTER BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 63,292,000 | 66,382,000 | 65,697,000 | 69,821,000 |
| Total loans | 42,657,000 | 48,237,000 | 52,565,000 | 59,115,000 |
| Allowance for loan losses | 639,000 | 720,000 | 789,000 | 888,000 |
| Securities available for sale | 2,081,000 | 5,459,000 | 5,744,000 | 3,834,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,274,000 | 52,813,000 | 52,421,000 | 56,908,000 |
| Interest-bearing deposits | 45,370,000 | 48,194,000 | 49,131,000 | 51,421,000 |
| Noninterest-bearing deposits | 3,904,000 | 4,619,000 | 3,290,000 | 5,487,000 |
| Equity capital | 13,711,000 | 13,129,000 | 12,879,000 | 12,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 492,000 | 1,093,000 | 1,849,000 | 2,682,000 |
| Interest expense | 274,000 | 563,000 | 846,000 | 1,103,000 |
| Net interest income | 218,000 | 530,000 | 1,003,000 | 1,579,000 |
| Noninterest income | 11,000 | 28,000 | 51,000 | 70,000 |
| Noninterest expense | 651,000 | 1,365,000 | 2,139,000 | 3,005,000 |
| Provision for loan losses | 82,000 | 166,000 | 241,000 | 349,000 |
| Pretax income | -504,000 | -973,000 | -1,326,000 | -1,705,000 |
| Income tax | 2,000 | 10,000 | 17,000 | 25,000 |
| Net income | -506,000 | -983,000 | -1,343,000 | -1,730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,711,000 | 13,245,000 | 12,898,000 | 12,524,000 |
| Total capital | 14,350,000 | 13,965,000 | 13,609,000 | 13,311,000 |
| Risk-weighted assets | 53,793,000 | 58,922,000 | 56,780,000 | 62,883,000 |