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 | 101,555,000 | 102,467,000 | 105,560,000 | 106,692,000 |
| Total loans | 70,908,000 | 71,442,000 | 73,340,000 | 72,142,000 |
| Allowance for loan losses | 1,102,000 | 1,116,000 | 1,049,000 | 1,013,000 |
| Securities available for sale | 18,101,000 | 17,877,000 | 17,761,000 | 21,107,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,513,000 | 88,267,000 | 90,478,000 | 92,206,000 |
| Interest-bearing deposits | 77,309,000 | 77,089,000 | 79,436,000 | 79,471,000 |
| Noninterest-bearing deposits | 10,204,000 | 11,178,000 | 11,042,000 | 12,735,000 |
| Equity capital | 13,764,000 | 13,954,000 | 14,126,000 | 14,164,000 |
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 | 1,176,000 | 2,344,000 | 3,524,000 | 4,742,000 |
| Interest expense | 211,000 | 385,000 | 546,000 | 699,000 |
| Net interest income | 965,000 | 1,959,000 | 2,978,000 | 4,043,000 |
| Noninterest income | 85,000 | 148,000 | 215,000 | 878,000 |
| Noninterest expense | 879,000 | 1,797,000 | 2,712,000 | 3,992,000 |
| Provision for loan losses | 153,000 | 166,000 | 181,000 | 411,000 |
| Pretax income | 18,000 | 177,000 | 398,000 | 611,000 |
| Income tax | 7,000 | 57,000 | 114,000 | 242,000 |
| Net income | 11,000 | 120,000 | 284,000 | 369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,777,000 | 12,015,000 | 12,260,000 | 12,532,000 |
| Total capital | 12,712,000 | 12,971,000 | 13,276,000 | 13,545,000 |
| Risk-weighted assets | 74,627,000 | 76,318,000 | 81,220,000 | 82,157,000 |