Call reports 2006
CHARIS BANK — 2006
What CHARIS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 63,847,000 | 60,941,000 | 61,004,000 | 59,953,000 |
| Total loans | 48,745,000 | 50,026,000 | 50,004,000 | 49,768,000 |
| Allowance for loan losses | 623,000 | 625,000 | 623,000 | 622,000 |
| Securities available for sale | 1,491,000 | 1,482,000 | 1,496,000 | 1,501,000 |
| Securities held to maturity | 3,084,000 | 3,086,000 | 3,088,000 | 3,090,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,310,000 | 53,741,000 | 52,945,000 | 53,628,000 |
| Interest-bearing deposits | 40,330,000 | 36,124,000 | 36,991,000 | 36,438,000 |
| Noninterest-bearing deposits | 16,980,000 | 17,617,000 | 15,954,000 | 17,190,000 |
| Equity capital | 6,453,000 | 7,110,000 | 7,608,000 | 5,815,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,066,000 | 2,200,000 | 3,392,000 | 4,552,000 |
| Interest expense | 162,000 | 342,000 | 573,000 | 826,000 |
| Net interest income | 904,000 | 1,858,000 | 2,819,000 | 3,726,000 |
| Noninterest income | 109,000 | 231,000 | 347,000 | 458,000 |
| Noninterest expense | 424,000 | 834,000 | 1,428,000 | 2,402,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 589,000 | 1,255,000 | 1,738,000 | 1,782,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 589,000 | 1,255,000 | 1,738,000 | 1,782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,471,000 | 7,137,000 | 7,620,000 | 5,823,000 |
| Total capital | 7,070,000 | 7,736,000 | 8,228,000 | 6,425,000 |
| Risk-weighted assets | 47,886,000 | 47,878,000 | 48,585,000 | 48,123,000 |