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Charter Bank, Assets and Liabilities
| 1996-12-31 | Rank | |
| # of Employees: | 55 | 3,429 |
| Assets and Liabilities | ||
| Total Assets: | $235,524,000 | 1,995 |
| Cash and due from depository institutions | $6,753,000 | 3,429 |
| Interest-bearing balances | $5,450,000 | 700 |
| Securities | $12,574,000 | 7,100 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $210,970,000 | 1,400 |
| Loan loss allowance | $1,006,000 | 3,487 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $1,313,000 | 5,139 |
| Other real estate owned | $403,000 | 3,429 |
| Goodwill and other intangibles | $57,000 | 2,772 |
| All other assets | $3,454,000 | 2,183 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $235,524,000 | 1,995 |
| Total liabilities | $217,513,000 | 1,955 |
| Total deposits | $212,484,000 | 1,813 |
| Interest-bearing deposits | $210,641,000 | 1,587 |
| Deposits held in domestic offices | $212,484,000 | 1,803 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $3,647,000 | 2,148 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $1,382,000 | 2,757 |
| Total equity capital | $18,011,000 | 2,491 |
| Total bank equity capital | $18,011,000 | 2,491 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $2,885,000 | 1,351 |
| Surplus | $1,582,000 | 6,302 |
| Undivided profits | $13,544,000 | 1,906 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,294,000 | 1,361 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $1,289,000 | 1,705 |
| Earning assets | $228,994,000 | 1,876 |
| Long-term assets (5+ years) | $0 | 9,965 |
| Average Assets, year-to-date | $222,824,600 | 2,028 |
| Average Assets, quarterly | $232,473,500 | 1,995 |
| Volatile liabilities | $17,151,000 | 3,296 |
| Insider loans | $1,274,000 | 3,022 |
| FHLB advances | $2,000,000 | 697 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $12,799,000 | 2,852 |
| Tier 1 (core) risk-based capital | $18,013,000 | 2,406 |
| Tier 2 risk-based capital | $1,006,000 | 2,950 |
| Total risk weighted assets | $119,417,000 | 2,365 |
| Total unused commitments | $12,799,000 | 2,867 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 57 | 3,427 |
| Assets and Liabilities | ||
| Total Assets: | $210,244,000 | 2,239 |
| Cash and due from depository institutions | $6,450,000 | 3,427 |
| Interest-bearing balances | $4,798,000 | 985 |
| Securities | $12,494,000 | 7,436 |
| Federal funds sold & reverse repurchase agreements | $0 | 9,298 |
| Net loans & leases | $186,012,000 | 1,551 |
| Loan loss allowance | $987,000 | 3,585 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,430,000 | 4,826 |
| Other real estate owned | $503,000 | 3,427 |
| Goodwill and other intangibles | $62,000 | 2,564 |
| All other assets | $3,293,000 | 2,336 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $210,244,000 | 2,239 |
| Total liabilities | $194,469,000 | 2,188 |
| Total deposits | $181,417,000 | 2,176 |
| Interest-bearing deposits | $177,903,000 | 1,895 |
| Deposits held in domestic offices | $181,417,000 | 2,166 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $10,445,000 | 1,143 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $2,607,000 | 1,707 |
| Total equity capital | $15,775,000 | 2,824 |
| Total bank equity capital | $15,775,000 | 2,824 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $2,885,000 | 1,371 |
| Surplus | $1,582,000 | 6,373 |
| Undivided profits | $11,308,000 | 2,318 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $745,000 | 3,288 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $1,182,000 | 1,918 |
| Earning assets | $203,304,000 | 2,148 |
| Long-term assets (5+ years) | $0 | 10,367 |
| Average Assets, year-to-date | $208,735,800 | 2,167 |
| Average Assets, quarterly | $209,214,000 | 2,224 |
| Volatile liabilities | $20,657,000 | 2,569 |
| Insider loans | $1,316,000 | 3,050 |
| FHLB advances | $8,000,000 | 450 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $8,371,000 | 3,665 |
| Tier 1 (core) risk-based capital | $15,794,000 | 2,713 |
| Tier 2 risk-based capital | $987,000 | 2,938 |
| Total risk weighted assets | $103,012,000 | 2,656 |
| Total unused commitments | $8,371,000 | 3,678 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 57 | 3,534 |
| Assets and Liabilities | ||
| Total Assets: | $205,156,000 | 2,261 |
| Cash and due from depository institutions | $6,024,000 | 3,534 |
| Interest-bearing balances | $4,513,000 | 794 |
| Securities | $9,853,000 | 8,805 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $184,549,000 | 1,522 |
| Loan loss allowance | $1,008,000 | 3,563 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $1,503,000 | 4,624 |
| Other real estate owned | $358,000 | 3,534 |
| Goodwill and other intangibles | $67,000 | 2,448 |
| All other assets | $2,802,000 | 2,852 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $205,156,000 | 2,261 |
| Total liabilities | $191,804,000 | 2,201 |
| Total deposits | $162,414,000 | 2,372 |
| Interest-bearing deposits | $159,686,000 | 2,069 |
| Deposits held in domestic offices | $162,414,000 | 2,363 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $27,684,000 | 751 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $1,706,000 | 2,025 |
| Total equity capital | $13,352,000 | 3,056 |
| Total bank equity capital | $13,352,000 | 3,056 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $2,834,000 | 1,407 |
| Surplus | $1,549,000 | 6,502 |
| Undivided profits | $8,969,000 | 2,602 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $811,000 | 3,086 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $992,000 | 2,000 |
| Earning assets | $198,915,000 | 2,118 |
| Long-term assets (5+ years) | $0 | 10,888 |
| Average Assets, year-to-date | $194,836,600 | 2,295 |
| Average Assets, quarterly | $201,197,500 | 2,280 |
| Volatile liabilities | $34,354,000 | 1,637 |
| Insider loans | $1,535,000 | 2,639 |
| FHLB advances | $27,000,000 | 289 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $9,118,000 | 3,340 |
| Tier 1 (core) risk-based capital | $13,884,000 | 2,974 |
| Tier 2 risk-based capital | $956,000 | 3,029 |
| Total risk weighted assets | $103,516,000 | 2,561 |
| Total unused commitments | $9,118,000 | 3,348 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 64 | 3,290 |
| Assets and Liabilities | ||
| Total Assets: | $188,669,000 | 2,464 |
| Cash and due from depository institutions | $4,363,000 | 3,290 |
| Interest-bearing balances | $3,254,000 | 1,743 |
| Securities | $8,766,000 | 9,567 |
| Federal funds sold & reverse repurchase agreements | $0 | 10,345 |
| Net loans & leases | $169,885,000 | 1,618 |
| Loan loss allowance | $922,000 | 3,970 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $1,445,000 | 4,810 |
| Other real estate owned | $1,336,000 | 3,290 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $2,874,000 | 2,523 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $188,669,000 | 2,464 |
| Total liabilities | $176,476,000 | 2,406 |
| Total deposits | $150,483,000 | 2,621 |
| Interest-bearing deposits | $147,179,000 | 2,345 |
| Deposits held in domestic offices | $150,483,000 | 2,610 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $23,982,000 | 710 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $2,011,000 | 1,791 |
| Total equity capital | $12,193,000 | 3,339 |
| Total bank equity capital | $12,193,000 | 3,339 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $2,834,000 | 1,422 |
| Surplus | $1,549,000 | 6,529 |
| Undivided profits | $7,810,000 | 3,003 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $919,000 | 3,369 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $869,000 | 2,033 |
| Earning assets | $181,905,000 | 2,346 |
| Long-term assets (5+ years) | $0 | 11,403 |
| Average Assets, year-to-date | $182,885,600 | 2,468 |
| Average Assets, quarterly | $186,777,500 | 2,467 |
| Volatile liabilities | $32,956,000 | 1,628 |
| Insider loans | $1,568,000 | 2,572 |
| FHLB advances | $23,000,000 | 284 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $1,943,000 | 7,604 |
| Tier 1 (core) risk-based capital | $12,193,000 | 3,260 |
| Tier 2 risk-based capital | $922,000 | 3,105 |
| Total risk weighted assets | $96,088,000 | 2,713 |
| Total unused commitments | $1,943,000 | 7,630 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 61 | 3,504 |
| Assets and Liabilities | ||
| Total Assets: | $178,606,000 | 2,661 |
| Cash and due from depository institutions | $5,211,000 | 3,504 |
| Interest-bearing balances | $4,753,000 | 1,501 |
| Securities | $5,976,000 | 11,075 |
| Federal funds sold & reverse repurchase agreements | $0 | 11,296 |
| Net loans & leases | $161,604,000 | 1,737 |
| Loan loss allowance | $680,000 | 5,124 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $1,491,000 | 4,682 |
| Other real estate owned | $1,527,000 | 3,504 |
| Goodwill and other intangibles | $77,000 | 2,325 |
| All other assets | $2,720,000 | 2,764 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $178,606,000 | 2,661 |
| Total liabilities | $168,333,000 | 2,587 |
| Total deposits | $143,742,000 | 2,859 |
| Interest-bearing deposits | $141,007,000 | 2,557 |
| Deposits held in domestic offices | $143,742,000 | 2,854 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $22,591,000 | 642 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $2,000,000 | 1,887 |
| Total equity capital | $10,273,000 | 3,781 |
| Total bank equity capital | $10,273,000 | 3,781 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $2,834,000 | 1,456 |
| Surplus | $1,549,000 | 6,467 |
| Undivided profits | $5,890,000 | 3,679 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,255,000 | 3,116 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $968,000 | 2,045 |
| Earning assets | $172,333,000 | 2,517 |
| Long-term assets (5+ years) | $0 | 11,806 |
| Average Assets, year-to-date | $169,321,400 | 2,718 |
| Average Assets, quarterly | $175,182,000 | 2,686 |
| Volatile liabilities | $30,059,000 | 1,706 |
| Insider loans | $0 | 9,493 |
| FHLB advances | $21,500,000 | 273 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $3,932,000 | 5,304 |
| Tier 1 (core) risk-based capital | $10,196,000 | 3,745 |
| Tier 2 risk-based capital | $680,000 | 4,061 |
| Total risk weighted assets | $93,038,000 | 2,865 |
| Total unused commitments | $3,932,000 | 5,334 |
| Derivatives | $0 | 651 |