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 | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 93,270,000 | 93,520,000 | 96,424,000 | 101,781,000 |
| Total loans | 68,640,000 | 69,962,000 | 69,977,000 | 71,721,000 |
| Allowance for loan losses | 1,509,000 | 1,480,000 | 1,461,000 | 1,360,000 |
| Securities available for sale | 15,325,000 | 15,015,000 | 17,059,000 | 17,286,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,012,000 | 81,222,000 | 84,011,000 | 85,173,000 |
| Interest-bearing deposits | 73,230,000 | 72,612,000 | 75,421,000 | 76,202,000 |
| Noninterest-bearing deposits | 8,782,000 | 8,610,000 | 8,590,000 | 8,971,000 |
| Equity capital | 10,945,000 | 11,186,000 | 11,436,000 | 13,714,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,066,000 | 2,184,000 | 3,326,000 | 4,502,000 |
| Interest expense | 280,000 | 546,000 | 805,000 | 1,049,000 |
| Net interest income | 786,000 | 1,638,000 | 2,521,000 | 3,453,000 |
| Noninterest income | 33,000 | 83,000 | 139,000 | 196,000 |
| Noninterest expense | 868,000 | 1,728,000 | 2,581,000 | 3,488,000 |
| Provision for loan losses | 12,000 | 18,000 | 23,000 | 23,000 |
| Pretax income | -61,000 | -17,000 | 65,000 | 162,000 |
| Income tax | 7,000 | 14,000 | 21,000 | 28,000 |
| Net income | -68,000 | -31,000 | 44,000 | 2,387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,193,000 | 11,244,000 | 11,331,000 | 11,701,000 |
| Total capital | 12,145,000 | 12,172,000 | 12,265,000 | 12,652,000 |
| Risk-weighted assets | 75,564,000 | 73,702,000 | 74,187,000 | 75,676,000 |