Call reports 2011
CHARIS BANK — 2011
What CHARIS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 66,903,000 | 70,020,000 | 72,900,000 | 68,873,000 |
| Total loans | 54,425,000 | 55,003,000 | 55,172,000 | 55,602,000 |
| Allowance for loan losses | 968,000 | 968,000 | 884,000 | 805,000 |
| Securities available for sale | 1,035,000 | 1,047,000 | 1,047,000 | 1,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,773,000 | 61,507,000 | 64,013,000 | 60,583,000 |
| Interest-bearing deposits | 46,847,000 | 47,797,000 | 49,028,000 | 46,227,000 |
| Noninterest-bearing deposits | 11,926,000 | 13,710,000 | 14,985,000 | 14,356,000 |
| Equity capital | 7,907,000 | 8,306,000 | 8,602,000 | 8,223,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 910,000 | 1,809,000 | 2,757,000 | 3,689,000 |
| Interest expense | 84,000 | 162,000 | 211,000 | 246,000 |
| Net interest income | 826,000 | 1,647,000 | 2,546,000 | 3,443,000 |
| Noninterest income | 104,000 | 202,000 | 306,000 | 412,000 |
| Noninterest expense | 727,000 | 1,112,000 | 1,972,000 | 3,024,000 |
| Provision for loan losses | -150,000 | -150,000 | -150,000 | -230,000 |
| Pretax income | 353,000 | 887,000 | 1,030,000 | 1,061,000 |
| Income tax | 0 | 150,000 | 0 | 0 |
| Net income | 353,000 | 737,000 | 1,030,000 | 1,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,906,000 | 8,291,000 | 8,583,000 | 8,206,000 |
| Total capital | 8,518,000 | 8,893,000 | 9,178,000 | 8,804,000 |
| Risk-weighted assets | 47,964,000 | 48,231,000 | 47,858,000 | 47,823,000 |