Call reports 2010
CHARIS BANK — 2010
What CHARIS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 67,331,000 | 68,771,000 | 70,049,000 | 65,875,000 |
| Total loans | 56,605,000 | 54,704,000 | 55,048,000 | 54,229,000 |
| Allowance for loan losses | 1,044,000 | 1,004,000 | 1,062,000 | 1,119,000 |
| Securities available for sale | 1,034,000 | 1,025,000 | 1,014,000 | 1,003,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,997,000 | 61,099,000 | 61,950,000 | 58,245,000 |
| Interest-bearing deposits | 45,515,000 | 48,199,000 | 48,449,000 | 45,842,000 |
| Noninterest-bearing deposits | 14,482,000 | 12,900,000 | 13,502,000 | 12,403,000 |
| Equity capital | 7,234,000 | 7,559,000 | 7,966,000 | 7,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,000,000 | 1,904,000 | 2,886,000 | 3,823,000 |
| Interest expense | 118,000 | 220,000 | 320,000 | 412,000 |
| Net interest income | 882,000 | 1,684,000 | 2,566,000 | 3,411,000 |
| Noninterest income | 108,000 | 202,000 | 317,000 | 431,000 |
| Noninterest expense | 637,000 | 1,246,000 | 1,769,000 | 2,758,000 |
| Provision for loan losses | 91,000 | 46,000 | 106,000 | 164,000 |
| Pretax income | 262,000 | 594,000 | 1,008,000 | 920,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 262,000 | 594,000 | 1,008,000 | 920,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,207,000 | 7,539,000 | 7,954,000 | 7,551,000 |
| Total capital | 7,842,000 | 8,167,000 | 8,570,000 | 8,154,000 |
| Risk-weighted assets | 50,365,000 | 49,945,000 | 49,291,000 | 47,755,000 |