Call reports 2001
CHARTER BANK — 2001
What CHARTER BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 265,615,000 | 265,453,000 | 270,750,000 | 266,839,000 |
| Total loans | 201,751,000 | 202,995,000 | 202,389,000 | 205,664,000 |
| Allowance for loan losses | 2,846,000 | 3,062,000 | 3,090,000 | 2,991,000 |
| Securities available for sale | 27,105,000 | 35,068,000 | 28,322,000 | 33,955,000 |
| Securities held to maturity | 753,000 | 744,000 | 740,000 | 583,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,387,000 | 216,877,000 | 220,828,000 | 219,455,000 |
| Interest-bearing deposits | 165,611,000 | 163,040,000 | 167,405,000 | 167,031,000 |
| Noninterest-bearing deposits | 50,776,000 | 53,837,000 | 53,423,000 | 52,424,000 |
| Equity capital | 23,784,000 | 24,199,000 | 25,233,000 | 24,235,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 5,223,000 | 10,115,000 | 14,986,000 | 19,555,000 |
| Interest expense | 1,963,000 | 3,803,000 | 5,480,000 | 6,965,000 |
| Net interest income | 3,260,000 | 6,312,000 | 9,506,000 | 12,590,000 |
| Noninterest income | 694,000 | 1,487,000 | 2,275,000 | 3,218,000 |
| Noninterest expense | 2,478,000 | 4,958,000 | 7,531,000 | 11,052,000 |
| Provision for loan losses | 225,000 | 450,000 | 525,000 | 525,000 |
| Pretax income | 1,251,000 | 2,391,000 | 4,312,000 | 4,818,000 |
| Income tax | 438,000 | 828,000 | 1,493,000 | 1,637,000 |
| Net income | 813,000 | 1,563,000 | 2,819,000 | 3,181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,296,000 | 23,718,000 | 24,646,000 | 23,821,000 |
| Total capital | 25,865,000 | 26,282,000 | 27,230,000 | 26,447,000 |
| Risk-weighted assets | 205,261,000 | 204,636,000 | 206,210,000 | 209,732,000 |