Call reports 2001
CHARIS BANK — 2001
What CHARIS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 46,187,000 | 46,293,000 | 47,705,000 | 48,051,000 |
| Total loans | 28,518,000 | 30,839,000 | 34,449,000 | 37,380,000 |
| Allowance for loan losses | 442,000 | 444,000 | 446,000 | 543,000 |
| Securities available for sale | 4,273,000 | 2,278,000 | 2,299,000 | 1,292,000 |
| Securities held to maturity | 5,146,000 | 3,028,000 | 1,830,000 | 1,828,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,001,000 | 40,728,000 | 41,859,000 | 42,867,000 |
| Interest-bearing deposits | 31,901,000 | 30,752,000 | 31,852,000 | 33,439,000 |
| Noninterest-bearing deposits | 9,100,000 | 9,976,000 | 10,007,000 | 9,429,000 |
| Equity capital | 5,046,000 | 5,439,000 | 5,723,000 | 5,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 953,000 | 1,898,000 | 2,806,000 | 3,682,000 |
| Interest expense | 325,000 | 628,000 | 902,000 | 1,132,000 |
| Net interest income | 628,000 | 1,270,000 | 1,904,000 | 2,550,000 |
| Noninterest income | 92,000 | 186,000 | 283,000 | 369,000 |
| Noninterest expense | 317,000 | 652,000 | 1,107,000 | 1,700,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 403,000 | 804,000 | 1,080,000 | 1,119,000 |
| Income tax | 12,000 | 25,000 | 38,000 | 49,000 |
| Net income | 391,000 | 779,000 | 1,042,000 | 1,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,023,000 | 5,411,000 | 5,674,000 | 5,059,000 |
| Total capital | 5,384,000 | 5,805,000 | 6,103,000 | 5,515,000 |
| Risk-weighted assets | 28,905,000 | 31,629,000 | 34,284,000 | 36,422,000 |