Call reports 2005
CHARIS BANK — 2005
What CHARIS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 57,768,000 | 57,759,000 | 59,652,000 | 63,650,000 |
| Total loans | 46,620,000 | 49,238,000 | 45,921,000 | 46,736,000 |
| Allowance for loan losses | 538,000 | 598,000 | 608,000 | 622,000 |
| Securities available for sale | 588,000 | 500,000 | 499,000 | 1,497,000 |
| Securities held to maturity | 2,580,000 | 2,580,000 | 2,581,000 | 3,082,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,385,000 | 50,116,000 | 52,242,000 | 57,706,000 |
| Interest-bearing deposits | 37,617,000 | 35,313,000 | 36,155,000 | 37,988,000 |
| Noninterest-bearing deposits | 13,768,000 | 14,804,000 | 16,087,000 | 19,718,000 |
| Equity capital | 6,328,000 | 6,901,000 | 7,329,000 | 5,871,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 885,000 | 1,859,000 | 2,841,000 | 3,865,000 |
| Interest expense | 97,000 | 211,000 | 348,000 | 507,000 |
| Net interest income | 788,000 | 1,648,000 | 2,493,000 | 3,358,000 |
| Noninterest income | 109,000 | 225,000 | 335,000 | 448,000 |
| Noninterest expense | 406,000 | 801,000 | 1,311,000 | 2,125,000 |
| Provision for loan losses | 9,000 | 20,000 | 35,000 | 50,000 |
| Pretax income | 482,000 | 1,050,000 | 1,480,000 | 1,629,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 482,000 | 1,050,000 | 1,480,000 | 1,629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,341,000 | 6,910,000 | 7,339,000 | 5,883,000 |
| Total capital | 6,879,000 | 7,500,000 | 7,902,000 | 6,466,000 |
| Risk-weighted assets | 45,231,000 | 47,213,000 | 45,029,000 | 46,581,000 |