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Charter Bank, Assets and Liabilities
| 2011-09-30 | Rank | |
| # of Employees: | 67 | 2,291 |
| Assets and Liabilities | ||
| Total Assets: | $705,980,000 | 944 |
| Cash and due from depository institutions | $148,747,000 | 2,291 |
| Interest-bearing balances | $146,721,000 | 287 |
| Securities | $16,831,000 | 4,853 |
| Federal funds sold & reverse repurchase agreements | $0 | 3,873 |
| Net loans & leases | $452,491,000 | 908 |
| Loan loss allowance | $32,427,000 | 284 |
| Trading account assets | $0 | 209 |
| Bank premises and fixed assets | $7,105,000 | 1,650 |
| Other real estate owned | $22,796,000 | 2,291 |
| Goodwill and other intangibles | $88,000 | 2,645 |
| All other assets | $57,922,000 | 427 |
| Life insurance assets | $0 | 3,747 |
| Total liabilities and capital | $705,980,000 | 944 |
| Total liabilities | $514,738,000 | 1,161 |
| Total deposits | $257,549,000 | 2,099 |
| Interest-bearing deposits | $244,453,000 | 1,887 |
| Deposits held in domestic offices | $257,549,000 | 2,098 |
| % insured | 98.99% | 355 |
| Federal funds purchased & repurchase agreements | $0 | 2,338 |
| Trading liabilities | $0 | 112 |
| Other borrowed funds | $232,408,000 | 165 |
| Subordinated debt | $0 | 206 |
| All other liabilities | $24,781,000 | 325 |
| Total equity capital | $191,242,000 | 385 |
| Total bank equity capital | $191,242,000 | 385 |
| Perpetual preferred stock | $0 | 266 |
| Common stock | $1,000 | 6,584 |
| Surplus | $97,499,000 | 411 |
| Undivided profits | $93,742,000 | 361 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 175 |
| Memoranda | ||
| Noncurrent loans and leases | $129,962,000 | 154 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,137 |
| Income earned, not collected on loans | $133,000 | 7,059 |
| Earning assets | $616,043,000 | 976 |
| Long-term assets (5+ years) | $0 | 6,717 |
| Average Assets, year-to-date | $752,187,250 | 881 |
| Average Assets, quarterly | $716,812,500 | 930 |
| Volatile liabilities | $237,516,000 | 274 |
| Insider loans | $0 | 6,691 |
| FHLB advances | $232,408,000 | 126 |
| Loans and leases held for sale | $0 | 1,904 |
| Unused loan commitments | $11,159,000 | 3,613 |
| Tier 1 (core) risk-based capital | $190,559,000 | 355 |
| Tier 2 risk-based capital | $2,835,000 | 1,811 |
| Total risk weighted assets | $197,247,000 | 2,146 |
| Total unused commitments | $11,159,000 | 3,616 |
| Derivatives | $0 | 1,195 |
| 2011-06-30 | Rank | |
| # of Employees: | 76 | 2,023 |
| Assets and Liabilities | ||
| Total Assets: | $727,645,000 | 921 |
| Cash and due from depository institutions | $147,421,000 | 2,023 |
| Interest-bearing balances | $143,396,000 | 279 |
| Securities | $18,414,000 | 4,740 |
| Federal funds sold & reverse repurchase agreements | $0 | 3,997 |
| Net loans & leases | $475,149,000 | 884 |
| Loan loss allowance | $28,888,000 | 317 |
| Trading account assets | $0 | 213 |
| Bank premises and fixed assets | $7,097,000 | 1,648 |
| Other real estate owned | $24,424,000 | 2,023 |
| Goodwill and other intangibles | $93,000 | 2,649 |
| All other assets | $55,047,000 | 458 |
| Life insurance assets | $0 | 3,737 |
| Total liabilities and capital | $727,645,000 | 921 |
| Total liabilities | $529,946,000 | 1,131 |
| Total deposits | $264,433,000 | 2,042 |
| Interest-bearing deposits | $250,674,000 | 1,850 |
| Deposits held in domestic offices | $264,433,000 | 2,042 |
| % insured | 98.57% | 519 |
| Federal funds purchased & repurchase agreements | $0 | 2,430 |
| Trading liabilities | $0 | 112 |
| Other borrowed funds | $243,475,000 | 168 |
| Subordinated debt | $0 | 212 |
| All other liabilities | $22,038,000 | 336 |
| Total equity capital | $197,699,000 | 372 |
| Total bank equity capital | $197,699,000 | 372 |
| Perpetual preferred stock | $0 | 222 |
| Common stock | $1,000 | 6,661 |
| Surplus | $97,499,000 | 413 |
| Undivided profits | $100,199,000 | 314 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 179 |
| Memoranda | ||
| Noncurrent loans and leases | $107,769,000 | 190 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,160 |
| Income earned, not collected on loans | $2,051,000 | 1,403 |
| Earning assets | $636,959,000 | 951 |
| Long-term assets (5+ years) | $0 | 6,767 |
| Average Assets, year-to-date | $767,589,670 | 875 |
| Average Assets, quarterly | $749,073,000 | 893 |
| Volatile liabilities | $255,427,000 | 275 |
| Insider loans | $0 | 6,748 |
| FHLB advances | $243,475,000 | 129 |
| Loans and leases held for sale | $0 | 1,752 |
| Unused loan commitments | $12,602,000 | 3,412 |
| Tier 1 (core) risk-based capital | $197,000,000 | 338 |
| Tier 2 risk-based capital | $2,915,000 | 1,771 |
| Total risk weighted assets | $207,248,000 | 2,057 |
| Total unused commitments | $12,602,000 | 3,412 |
| Derivatives | $0 | 1,174 |
| 2011-03-31 | Rank | |
| # of Employees: | 79 | 1,934 |
| Assets and Liabilities | ||
| Total Assets: | $770,501,000 | 869 |
| Cash and due from depository institutions | $135,639,000 | 1,934 |
| Interest-bearing balances | $130,450,000 | 315 |
| Securities | $19,311,000 | 4,622 |
| Federal funds sold & reverse repurchase agreements | $0 | 4,332 |
| Net loans & leases | $510,445,000 | 819 |
| Loan loss allowance | $15,366,000 | 557 |
| Trading account assets | $0 | 208 |
| Bank premises and fixed assets | $7,182,000 | 1,649 |
| Other real estate owned | $32,139,000 | 1,934 |
| Goodwill and other intangibles | $87,000 | 2,667 |
| All other assets | $65,698,000 | 389 |
| Life insurance assets | $0 | 3,748 |
| Total liabilities and capital | $770,501,000 | 869 |
| Total liabilities | $562,388,000 | 1,067 |
| Total deposits | $283,534,000 | 1,936 |
| Interest-bearing deposits | $264,557,000 | 1,801 |
| Deposits held in domestic offices | $283,534,000 | 1,934 |
| % insured | 98.05% | 743 |
| Federal funds purchased & repurchase agreements | $0 | 2,341 |
| Trading liabilities | $0 | 108 |
| Other borrowed funds | $253,399,000 | 162 |
| Subordinated debt | $0 | 214 |
| All other liabilities | $25,455,000 | 308 |
| Total equity capital | $208,113,000 | 347 |
| Total bank equity capital | $208,113,000 | 346 |
| Perpetual preferred stock | $0 | 224 |
| Common stock | $1,000 | 6,722 |
| Surplus | $97,499,000 | 416 |
| Undivided profits | $110,613,000 | 278 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 181 |
| Memoranda | ||
| Noncurrent loans and leases | $106,421,000 | 192 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $106,456,000 | 24 |
| Income earned, not collected on loans | $85,000 | 7,383 |
| Earning assets | $660,206,000 | 922 |
| Long-term assets (5+ years) | $0 | 6,809 |
| Average Assets, year-to-date | $787,562,000 | 857 |
| Average Assets, quarterly | $787,562,000 | 857 |
| Volatile liabilities | $272,669,000 | 275 |
| Insider loans | $0 | 6,813 |
| FHLB advances | $253,399,000 | 120 |
| Loans and leases held for sale | $0 | 1,676 |
| Unused loan commitments | $14,932,000 | 3,134 |
| Tier 1 (core) risk-based capital | $207,479,000 | 324 |
| Tier 2 risk-based capital | $3,208,000 | 1,657 |
| Total risk weighted assets | $244,517,000 | 1,786 |
| Total unused commitments | $14,932,000 | 3,135 |
| Derivatives | $0 | 1,153 |
| 2010-12-31 | Rank | |
| # of Employees: | 74 | 2,099 |
| Assets and Liabilities | ||
| Total Assets: | $768,998,000 | 881 |
| Cash and due from depository institutions | $119,217,000 | 2,099 |
| Interest-bearing balances | $115,933,000 | 325 |
| Securities | $19,971,000 | 4,403 |
| Federal funds sold & reverse repurchase agreements | $0 | 4,270 |
| Net loans & leases | $551,446,000 | 788 |
| Loan loss allowance | $8,383,000 | 991 |
| Trading account assets | $0 | 207 |
| Bank premises and fixed assets | $7,205,000 | 1,671 |
| Other real estate owned | $24,546,000 | 2,099 |
| Goodwill and other intangibles | $48,000 | 2,802 |
| All other assets | $46,565,000 | 515 |
| Life insurance assets | $0 | 3,769 |
| Total liabilities and capital | $768,998,000 | 881 |
| Total liabilities | $589,691,000 | 1,023 |
| Total deposits | $292,016,000 | 1,876 |
| Interest-bearing deposits | $274,607,000 | 1,733 |
| Deposits held in domestic offices | $292,016,000 | 1,873 |
| % insured | 98.59% | 511 |
| Federal funds purchased & repurchase agreements | $0 | 2,549 |
| Trading liabilities | $0 | 108 |
| Other borrowed funds | $271,797,000 | 156 |
| Subordinated debt | $0 | 220 |
| All other liabilities | $25,878,000 | 298 |
| Total equity capital | $179,307,000 | 401 |
| Total bank equity capital | $179,307,000 | 401 |
| Perpetual preferred stock | $0 | 224 |
| Common stock | $97,500,000 | 49 |
| Surplus | $0 | 7,133 |
| Undivided profits | $81,807,000 | 381 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 190 |
| Memoranda | ||
| Noncurrent loans and leases | $128,089,000 | 175 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $127,817,000 | 45 |
| Income earned, not collected on loans | $87,000 | 7,457 |
| Earning assets | $687,350,000 | 895 |
| Long-term assets (5+ years) | $0 | 6,888 |
| Average Assets, year-to-date | $863,742,000 | 781 |
| Average Assets, quarterly | $813,905,000 | 837 |
| Volatile liabilities | $388,620,000 | 364 |
| Insider loans | $0 | 6,907 |
| FHLB advances | $271,797,000 | 120 |
| Loans and leases held for sale | $0 | 1,952 |
| Unused loan commitments | $15,103,000 | 3,063 |
| Tier 1 (core) risk-based capital | $179,307,000 | 368 |
| Tier 2 risk-based capital | $3,259,000 | 1,646 |
| Total risk weighted assets | $255,582,000 | 1,753 |
| Total unused commitments | $15,103,000 | 3,065 |
| Derivatives | $0 | 1,176 |
| 2010-09-30 | Rank | |
| # of Employees: | 78 | 1,994 |
| Assets and Liabilities | ||
| Total Assets: | $859,245,000 | 791 |
| Cash and due from depository institutions | $129,008,000 | 1,994 |
| Interest-bearing balances | $125,207,000 | 318 |
| Securities | $21,235,000 | 4,214 |
| Federal funds sold & reverse repurchase agreements | $0 | 4,450 |
| Net loans & leases | $600,501,000 | 726 |
| Loan loss allowance | $0 | 7,690 |
| Trading account assets | $0 | 210 |
| Bank premises and fixed assets | $7,104,000 | 1,721 |
| Other real estate owned | $22,669,000 | 1,994 |
| Goodwill and other intangibles | $30,000 | 2,878 |
| All other assets | $78,698,000 | 345 |
| Life insurance assets | $0 | 3,793 |
| Total liabilities and capital | $859,245,000 | 791 |
| Total liabilities | $643,834,000 | 936 |
| Total deposits | $325,235,000 | 1,704 |
| Interest-bearing deposits | $306,051,000 | 1,567 |
| Deposits held in domestic offices | $325,235,000 | 1,702 |
| % insured | 98.72% | 344 |
| Federal funds purchased & repurchase agreements | $0 | 2,564 |
| Trading liabilities | $0 | 103 |
| Other borrowed funds | $286,900,000 | 162 |
| Subordinated debt | $0 | 233 |
| All other liabilities | $31,699,000 | 270 |
| Total equity capital | $215,411,000 | 334 |
| Total bank equity capital | $215,411,000 | 333 |
| Perpetual preferred stock | $0 | 229 |
| Common stock | $97,500,000 | 46 |
| Surplus | $0 | 7,229 |
| Undivided profits | $117,911,000 | 263 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 194 |
| Memoranda | ||
| Noncurrent loans and leases | $160,115,000 | 151 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $29,132,000 | 79 |
| Income earned, not collected on loans | $3,467,000 | 857 |
| Earning assets | $746,943,000 | 834 |
| Long-term assets (5+ years) | $0 | 6,979 |
| Average Assets, year-to-date | $895,467,670 | 751 |
| Average Assets, quarterly | $883,070,500 | 769 |
| Volatile liabilities | $431,358,000 | 332 |
| Insider loans | $0 | 6,998 |
| FHLB advances | $286,900,000 | 122 |
| Loans and leases held for sale | $0 | 1,963 |
| Unused loan commitments | $20,986,000 | 2,543 |
| Tier 1 (core) risk-based capital | $215,411,000 | 305 |
| Tier 2 risk-based capital | $0 | 7,679 |
| Total risk weighted assets | $274,727,000 | 1,687 |
| Total unused commitments | $20,986,000 | 2,544 |
| Derivatives | $0 | 1,218 |
| 2010-06-30 | Rank | |
| # of Employees: | 93 | 1,664 |
| Assets and Liabilities | ||
| Total Assets: | $906,896,000 | 750 |
| Cash and due from depository institutions | $126,804,000 | 1,664 |
| Interest-bearing balances | $121,892,000 | 309 |
| Securities | $22,936,000 | 4,079 |
| Federal funds sold & reverse repurchase agreements | $0 | 4,532 |
| Net loans & leases | $634,652,000 | 680 |
| Loan loss allowance | $0 | 7,761 |
| Trading account assets | $0 | 210 |
| Bank premises and fixed assets | $1,240,000 | 5,135 |
| Other real estate owned | $25,631,000 | 1,664 |
| Goodwill and other intangibles | $0 | 3,062 |
| All other assets | $95,633,000 | 290 |
| Life insurance assets | $0 | 3,801 |
| Total liabilities and capital | $906,896,000 | 750 |
| Total liabilities | $693,564,000 | 882 |
| Total deposits | $364,172,000 | 1,543 |
| Interest-bearing deposits | $333,292,000 | 1,455 |
| Deposits held in domestic offices | $364,172,000 | 1,542 |
| % insured | 97.07% | 851 |
| Federal funds purchased & repurchase agreements | $875,000 | 2,160 |
| Trading liabilities | $0 | 104 |
| Other borrowed funds | $295,023,000 | 171 |
| Subordinated debt | $0 | 241 |
| All other liabilities | $33,494,000 | 255 |
| Total equity capital | $213,332,000 | 332 |
| Total bank equity capital | $213,332,000 | 331 |
| Perpetual preferred stock | $0 | 222 |
| Common stock | $97,500,000 | 44 |
| Surplus | $0 | 7,286 |
| Undivided profits | $115,832,000 | 261 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 198 |
| Memoranda | ||
| Noncurrent loans and leases | $131,825,000 | 168 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $43,924,000 | 57 |
| Income earned, not collected on loans | $4,435,000 | 624 |
| Earning assets | $779,480,000 | 789 |
| Long-term assets (5+ years) | $0 | 7,034 |
| Average Assets, year-to-date | $913,579,000 | 732 |
| Average Assets, quarterly | $913,579,000 | 737 |
| Volatile liabilities | $400,278,000 | 364 |
| Insider loans | $465,000 | 5,282 |
| FHLB advances | $295,023,000 | 135 |
| Loans and leases held for sale | $0 | 1,852 |
| Unused loan commitments | $25,790,000 | 2,197 |
| Tier 1 (core) risk-based capital | $213,332,000 | 303 |
| Tier 2 risk-based capital | $0 | 7,754 |
| Total risk weighted assets | $303,650,000 | 1,551 |
| Total unused commitments | $25,790,000 | 2,198 |
| Derivatives | $0 | 1,168 |
| 2010-03-31 | Rank | |
| # of Employees: | 165 | 931 |
| Assets and Liabilities | ||
| Total Assets: | $920,262,000 | 748 |
| Cash and due from depository institutions | $156,151,000 | 931 |
| Interest-bearing balances | $146,678,000 | 278 |
| Securities | $24,597,000 | 3,954 |
| Federal funds sold & reverse repurchase agreements | $0 | 4,804 |
| Net loans & leases | $622,637,000 | 717 |
| Loan loss allowance | $0 | 7,861 |
| Trading account assets | $0 | 227 |
| Bank premises and fixed assets | $3,000 | 7,862 |
| Other real estate owned | $23,127,000 | 931 |
| Goodwill and other intangibles | $0 | 3,074 |
| All other assets | $93,747,000 | 299 |
| Life insurance assets | $0 | 3,823 |
| Total liabilities and capital | $920,262,000 | 748 |
| Total liabilities | $753,886,000 | 827 |
| Total deposits | $386,171,000 | 1,481 |
| Interest-bearing deposits | $320,666,000 | 1,561 |
| Deposits held in domestic offices | $386,171,000 | 1,479 |
| % insured | 96.88% | 971 |
| Federal funds purchased & repurchase agreements | $879,000 | 2,135 |
| Trading liabilities | $0 | 108 |
| Other borrowed funds | $332,838,000 | 172 |
| Subordinated debt | $0 | 248 |
| All other liabilities | $33,998,000 | 249 |
| Total equity capital | $166,376,000 | 417 |
| Total bank equity capital | $166,376,000 | 417 |
| Perpetual preferred stock | $0 | 220 |
| Common stock | $97,500,000 | 43 |
| Surplus | $0 | 7,393 |
| Undivided profits | $68,876,000 | 457 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 204 |
| Memoranda | ||
| Noncurrent loans and leases | $99,724,000 | 227 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $8,604,000 | 103 |
| Income earned, not collected on loans | $3,286,000 | 920 |
| Earning assets | $793,912,000 | 785 |
| Long-term assets (5+ years) | $0 | 7,124 |
| Average Assets, year-to-date | $920,262,000 | 742 |
| Average Assets, quarterly | $920,262,000 | 742 |
| Volatile liabilities | $453,915,000 | 334 |
| Insider loans | $467,000 | 5,350 |
| FHLB advances | $312,838,000 | 139 |
| Loans and leases held for sale | $0 | 1,823 |
| Unused loan commitments | $36,017,000 | 1,740 |
| Tier 1 (core) risk-based capital | $166,009,000 | 377 |
| Tier 2 risk-based capital | $0 | 7,845 |
| Total risk weighted assets | $263,249,000 | 1,812 |
| Total unused commitments | $36,017,000 | 1,744 |
| Derivatives | $0 | 1,155 |