Call reports 2002
CHARIS BANK — 2002
What CHARIS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 48,005,000 | 49,085,000 | 50,397,000 | 50,840,000 |
| Total loans | 39,035,000 | 38,975,000 | 41,818,000 | 41,726,000 |
| Allowance for loan losses | 545,000 | 547,000 | 496,000 | 541,000 |
| Securities available for sale | 1,282,000 | 1,293,000 | 1,289,000 | 1,280,000 |
| Securities held to maturity | 1,826,000 | 1,769,000 | 2,123,000 | 2,122,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,455,000 | 43,176,000 | 44,213,000 | 45,179,000 |
| Interest-bearing deposits | 33,626,000 | 33,419,000 | 34,278,000 | 34,340,000 |
| Noninterest-bearing deposits | 8,829,000 | 9,757,000 | 9,935,000 | 10,839,000 |
| Equity capital | 5,462,000 | 5,846,000 | 6,117,000 | 5,607,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 829,000 | 1,645,000 | 2,443,000 | 3,245,000 |
| Interest expense | 182,000 | 350,000 | 507,000 | 648,000 |
| Net interest income | 647,000 | 1,295,000 | 1,936,000 | 2,597,000 |
| Noninterest income | 72,000 | 156,000 | 249,000 | 379,000 |
| Noninterest expense | 336,000 | 681,000 | 1,127,000 | 1,703,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 383,000 | 770,000 | 1,058,000 | 1,223,000 |
| Income tax | 12,000 | 25,000 | 38,000 | 50,000 |
| Net income | 371,000 | 745,000 | 1,020,000 | 1,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,430,000 | 5,803,000 | 6,078,000 | 5,577,000 |
| Total capital | 5,901,000 | 6,275,000 | 6,574,000 | 6,081,000 |
| Risk-weighted assets | 37,632,000 | 37,671,000 | 40,281,000 | 40,295,000 |