Call reports 2003
CHARIS BANK — 2003
What CHARIS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 51,687,000 | 53,021,000 | 55,724,000 | 56,127,000 |
| Total loans | 41,339,000 | 39,401,000 | 39,047,000 | 41,948,000 |
| Allowance for loan losses | 540,000 | 540,000 | 543,000 | 541,000 |
| Securities available for sale | 1,267,000 | 509,000 | 3,503,000 | 4,502,000 |
| Securities held to maturity | 2,076,000 | 3,094,000 | 2,685,000 | 2,680,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,957,000 | 47,001,000 | 49,353,000 | 50,608,000 |
| Interest-bearing deposits | 35,724,000 | 36,423,000 | 37,871,000 | 38,317,000 |
| Noninterest-bearing deposits | 10,233,000 | 10,578,000 | 11,482,000 | 12,291,000 |
| Equity capital | 5,653,000 | 5,953,000 | 6,306,000 | 5,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 781,000 | 1,565,000 | 2,370,000 | 3,166,000 |
| Interest expense | 132,000 | 266,000 | 390,000 | 505,000 |
| Net interest income | 649,000 | 1,299,000 | 1,980,000 | 2,661,000 |
| Noninterest income | 102,000 | 166,000 | 319,000 | 419,000 |
| Noninterest expense | 370,000 | 759,000 | 1,221,000 | 1,809,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 381,000 | 706,000 | 1,078,000 | 1,272,000 |
| Income tax | 10,000 | 27,000 | 40,000 | 50,000 |
| Net income | 371,000 | 679,000 | 1,038,000 | 1,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,636,000 | 5,944,000 | 6,303,000 | 5,472,000 |
| Total capital | 6,139,000 | 6,425,000 | 6,788,000 | 5,991,000 |
| Risk-weighted assets | 40,173,000 | 38,419,000 | 38,768,000 | 41,468,000 |