Call reports 2007
CHARIS BANK — 2007
What CHARIS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 61,389,000 | 64,015,000 | 66,203,000 | 67,568,000 |
| Total loans | 49,403,000 | 51,311,000 | 53,705,000 | 54,060,000 |
| Allowance for loan losses | 622,000 | 623,000 | 624,000 | 624,000 |
| Securities available for sale | 1,503,000 | 1,004,000 | 1,010,000 | 1,038,000 |
| Securities held to maturity | 2,091,000 | 1,090,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,678,000 | 56,700,000 | 58,382,000 | 61,489,000 |
| Interest-bearing deposits | 41,736,000 | 44,232,000 | 45,288,000 | 46,131,000 |
| Noninterest-bearing deposits | 12,942,000 | 12,468,000 | 13,094,000 | 15,358,000 |
| Equity capital | 6,573,000 | 7,160,000 | 7,660,000 | 5,925,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,178,000 | 2,450,000 | 3,775,000 | 5,176,000 |
| Interest expense | 283,000 | 604,000 | 953,000 | 1,300,000 |
| Net interest income | 895,000 | 1,846,000 | 2,822,000 | 3,876,000 |
| Noninterest income | 286,000 | 409,000 | 494,000 | 621,000 |
| Noninterest expense | 425,000 | 913,000 | 1,481,000 | 2,437,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 756,000 | 1,342,000 | 1,835,000 | 2,060,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 756,000 | 1,342,000 | 1,835,000 | 2,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,579,000 | 7,165,000 | 7,659,000 | 5,923,000 |
| Total capital | 7,179,000 | 7,788,000 | 8,283,000 | 6,547,000 |
| Risk-weighted assets | 47,964,000 | 51,110,000 | 53,238,000 | 53,224,000 |