Call reports 2009
CHARIS BANK — 2009
What CHARIS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 72,874,000 | 71,662,000 | 70,714,000 | 68,742,000 |
| Total loans | 63,730,000 | 62,181,000 | 60,427,000 | 56,504,000 |
| Allowance for loan losses | 887,000 | 946,000 | 938,000 | 987,000 |
| Securities available for sale | 1,060,000 | 1,058,000 | 1,054,000 | 1,045,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,671,000 | 64,046,000 | 62,914,000 | 61,661,000 |
| Interest-bearing deposits | 50,100,000 | 49,714,000 | 48,584,000 | 47,379,000 |
| Noninterest-bearing deposits | 15,572,000 | 14,332,000 | 14,330,000 | 14,282,000 |
| Equity capital | 7,101,000 | 7,471,000 | 7,679,000 | 6,980,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,053,000 | 2,152,000 | 3,221,000 | 4,120,000 |
| Interest expense | 154,000 | 307,000 | 451,000 | 587,000 |
| Net interest income | 899,000 | 1,845,000 | 2,770,000 | 3,533,000 |
| Noninterest income | 117,000 | 229,000 | 344,000 | 426,000 |
| Noninterest expense | 530,000 | 1,120,000 | 1,859,000 | 2,746,000 |
| Provision for loan losses | 0 | 97,000 | 189,000 | 520,000 |
| Pretax income | 486,000 | 857,000 | 1,066,000 | 693,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 486,000 | 857,000 | 1,066,000 | 693,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,057,000 | 7,427,000 | 7,637,000 | 6,945,000 |
| Total capital | 7,800,000 | 8,136,000 | 8,318,000 | 7,612,000 |
| Risk-weighted assets | 59,258,000 | 56,519,000 | 54,250,000 | 53,060,000 |