Call reports 2004
CHARIS BANK — 2004
What CHARIS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 55,208,000 | 54,972,000 | 56,594,000 | 59,268,000 |
| Total loans | 42,020,000 | 41,794,000 | 43,959,000 | 46,094,000 |
| Allowance for loan losses | 540,000 | 539,000 | 540,000 | 535,000 |
| Securities available for sale | 2,510,000 | 1,487,000 | 1,495,000 | 2,486,000 |
| Securities held to maturity | 2,603,000 | 1,602,000 | 2,599,000 | 2,598,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,269,000 | 48,588,000 | 49,801,000 | 53,372,000 |
| Interest-bearing deposits | 37,434,000 | 36,983,000 | 38,020,000 | 38,428,000 |
| Noninterest-bearing deposits | 11,835,000 | 11,605,000 | 11,781,000 | 14,944,000 |
| Equity capital | 5,896,000 | 6,337,000 | 6,738,000 | 5,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 790,000 | 1,606,000 | 2,462,000 | 3,350,000 |
| Interest expense | 99,000 | 191,000 | 286,000 | 381,000 |
| Net interest income | 691,000 | 1,415,000 | 2,176,000 | 2,969,000 |
| Noninterest income | 98,000 | 208,000 | 325,000 | 439,000 |
| Noninterest expense | 375,000 | 745,000 | 1,229,000 | 1,869,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 414,000 | 878,000 | 1,272,000 | 1,530,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 414,000 | 878,000 | 1,272,000 | 1,530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,886,000 | 6,342,000 | 6,734,000 | 5,859,000 |
| Total capital | 6,402,000 | 6,855,000 | 7,268,000 | 6,394,000 |
| Risk-weighted assets | 41,266,000 | 40,986,000 | 42,731,000 | 44,983,000 |