Call reports 2012
CHARIS BANK — 2012
What CHARIS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 72,259,000 | 73,069,000 | 73,972,000 | 67,503,000 |
| Total loans | 54,354,000 | 52,799,000 | 51,374,000 | 51,230,000 |
| Allowance for loan losses | 808,000 | 855,000 | 890,000 | 818,000 |
| Securities available for sale | 1,038,000 | 1,033,000 | 1,029,000 | 1,024,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,560,000 | 64,080,000 | 64,657,000 | 59,073,000 |
| Interest-bearing deposits | 47,499,000 | 47,092,000 | 49,630,000 | 43,093,000 |
| Noninterest-bearing deposits | 16,061,000 | 16,988,000 | 15,027,000 | 15,980,000 |
| Equity capital | 8,619,000 | 8,897,000 | 9,195,000 | 8,363,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 917,000 | 1,879,000 | 2,775,000 | 3,656,000 |
| Interest expense | 30,000 | 56,000 | 82,000 | 102,000 |
| Net interest income | 887,000 | 1,823,000 | 2,693,000 | 3,554,000 |
| Noninterest income | 114,000 | 228,000 | 447,000 | 432,000 |
| Noninterest expense | 606,000 | 1,303,000 | 2,053,000 | 2,912,000 |
| Provision for loan losses | 0 | 74,000 | 114,000 | 176,000 |
| Pretax income | 395,000 | 674,000 | 973,000 | 898,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 395,000 | 674,000 | 973,000 | 898,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,603,000 | 8,882,000 | 9,181,000 | 8,351,000 |
| Total capital | 9,189,000 | 9,451,000 | 9,742,000 | 8,884,000 |
| Risk-weighted assets | 46,481,000 | 44,783,000 | 44,352,000 | 42,580,000 |