Call reports 2002
CHARTER BANK — 2002
What CHARTER BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 |
|---|---|---|
| Total assets | 266,541,000 | 354,586,000 |
| Total loans | 204,457,000 | 197,213,000 |
| Allowance for loan losses | 3,123,000 | 3,204,000 |
| Securities available for sale | 27,986,000 | 27,141,000 |
| Securities held to maturity | 581,000 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 218,719,000 | 246,770,000 |
| Interest-bearing deposits | 167,304,000 | 197,625,000 |
| Noninterest-bearing deposits | 51,415,000 | 49,145,000 |
| Equity capital | 24,834,000 | 87,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 |
|---|---|---|
| Interest income | 4,395,000 | 1,605,000 |
| Interest expense | 1,239,000 | 524,000 |
| Net interest income | 3,156,000 | 1,081,000 |
| Noninterest income | 857,000 | 300,000 |
| Noninterest expense | 2,598,000 | 847,000 |
| Provision for loan losses | 150,000 | 60,000 |
| Pretax income | 1,265,000 | 474,000 |
| Income tax | 438,000 | 167,000 |
| Net income | 827,000 | 307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 |
|---|---|---|
| Tier 1 capital | 24,648,000 | 24,047,000 |
| Total capital | 27,219,000 | 26,604,000 |
| Risk-weighted assets | 205,116,000 | 203,947,000 |