Home > Charter Bank, S.B. > Assets and Liabilities
Charter Bank, S.B., Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 82 | 2,127 |
| Assets and Liabilities | ||
| Total Assets: | $359,564,000 | 1,275 |
| Cash and due from depository institutions | $21,586,000 | 2,127 |
| Interest-bearing balances | $13,303,000 | 441 |
| Securities | $49,299,000 | 2,347 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,346 |
| Net loans & leases | $234,596,000 | 1,201 |
| Loan loss allowance | $3,331,000 | 1,115 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $4,172,000 | 1,927 |
| Other real estate owned | $117,000 | 2,127 |
| Goodwill and other intangibles | $44,966,000 | 158 |
| All other assets | $4,828,000 | 1,596 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $359,564,000 | 1,275 |
| Total liabilities | $300,472,000 | 1,372 |
| Total deposits | $271,815,000 | 1,354 |
| Interest-bearing deposits | $254,722,000 | 1,251 |
| Deposits held in domestic offices | $271,815,000 | 1,350 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $24,912,000 | 669 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $121,000 | 4,738 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $3,624,000 | 1,257 |
| Total equity capital | $59,092,000 | 782 |
| Total bank equity capital | $59,092,000 | 782 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $0 | 9,564 |
| Surplus | $57,978,000 | 390 |
| Undivided profits | $1,114,000 | 8,064 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,281,000 | 1,143 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $1,627,000 | 1,277 |
| Earning assets | $297,198,000 | 1,405 |
| Long-term assets (5+ years) | $64,664,000 | 1,279 |
| Average Assets, year-to-date | $378,574,400 | 1,165 |
| Average Assets, quarterly | $363,564,500 | 1,235 |
| Volatile liabilities | $46,659,000 | 1,478 |
| Insider loans | $35,000 | 8,806 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $8,768,000 | 3,940 |
| Tier 1 (core) risk-based capital | $13,755,000 | 3,093 |
| Tier 2 risk-based capital | $2,221,770 | 1,470 |
| Total risk weighted assets | $176,632,270 | 1,627 |
| Total unused commitments | $8,768,000 | 3,947 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 104 | 1,689 |
| Assets and Liabilities | ||
| Total Assets: | $385,984,000 | 1,207 |
| Cash and due from depository institutions | $10,882,000 | 1,689 |
| Interest-bearing balances | $8,561,000 | 520 |
| Securities | $74,335,000 | 1,547 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,160 |
| Net loans & leases | $283,388,000 | 1,055 |
| Loan loss allowance | $1,744,000 | 2,020 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $5,652,000 | 1,376 |
| Other real estate owned | $441,000 | 1,689 |
| Goodwill and other intangibles | $6,237,000 | 493 |
| All other assets | $5,049,000 | 1,518 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $385,984,000 | 1,207 |
| Total liabilities | $331,502,000 | 1,267 |
| Total deposits | $274,434,000 | 1,353 |
| Interest-bearing deposits | $259,636,000 | 1,254 |
| Deposits held in domestic offices | $274,434,000 | 1,347 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $19,827,000 | 751 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $34,915,000 | 706 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $2,326,000 | 1,789 |
| Total equity capital | $54,482,000 | 844 |
| Total bank equity capital | $54,482,000 | 844 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $0 | 9,968 |
| Surplus | $23,778,000 | 768 |
| Undivided profits | $30,704,000 | 856 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,910,000 | 1,394 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $1,831,000 | 1,194 |
| Earning assets | $366,284,000 | 1,169 |
| Long-term assets (5+ years) | $86,429,000 | 877 |
| Average Assets, year-to-date | $390,623,600 | 1,145 |
| Average Assets, quarterly | $388,608,000 | 1,181 |
| Volatile liabilities | $72,897,000 | 1,050 |
| Insider loans | $1,429,000 | 2,729 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $10,109,000 | 3,432 |
| Tier 1 (core) risk-based capital | $47,901,000 | 885 |
| Tier 2 risk-based capital | $1,744,000 | 1,743 |
| Total risk weighted assets | $226,184,700 | 1,257 |
| Total unused commitments | $10,109,000 | 3,433 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 93 | 2,010 |
| Assets and Liabilities | ||
| Total Assets: | $381,495,000 | 1,253 |
| Cash and due from depository institutions | $15,331,000 | 2,010 |
| Interest-bearing balances | $13,272,000 | 287 |
| Securities | $78,974,000 | 1,530 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $271,862,000 | 1,103 |
| Loan loss allowance | $1,858,000 | 2,040 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $5,915,000 | 1,322 |
| Other real estate owned | $533,000 | 2,010 |
| Goodwill and other intangibles | $4,238,000 | 595 |
| All other assets | $4,642,000 | 1,697 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $381,495,000 | 1,253 |
| Total liabilities | $329,555,000 | 1,304 |
| Total deposits | $260,710,000 | 1,482 |
| Interest-bearing deposits | $246,121,000 | 1,369 |
| Deposits held in domestic offices | $260,710,000 | 1,475 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $19,809,000 | 821 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $46,524,000 | 618 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $2,512,000 | 1,678 |
| Total equity capital | $51,940,000 | 896 |
| Total bank equity capital | $51,940,000 | 896 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $0 | 10,450 |
| Surplus | $24,081,000 | 796 |
| Undivided profits | $27,859,000 | 924 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,474,000 | 1,958 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $1,112,000 | 2,017 |
| Earning assets | $364,108,000 | 1,217 |
| Long-term assets (5+ years) | $79,559,000 | 870 |
| Average Assets, year-to-date | $348,957,400 | 1,303 |
| Average Assets, quarterly | $385,796,000 | 1,232 |
| Volatile liabilities | $71,192,000 | 1,096 |
| Insider loans | $1,343,000 | 2,902 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $10,224,000 | 3,343 |
| Tier 1 (core) risk-based capital | $47,404,000 | 912 |
| Tier 2 risk-based capital | $1,858,000 | 1,689 |
| Total risk weighted assets | $219,636,400 | 1,317 |
| Total unused commitments | $10,224,000 | 3,357 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 84 | 2,322 |
| Assets and Liabilities | ||
| Total Assets: | $299,819,000 | 1,588 |
| Cash and due from depository institutions | $13,568,000 | 2,322 |
| Interest-bearing balances | $12,290,000 | 364 |
| Securities | $75,612,000 | 1,679 |
| Federal funds sold & reverse repurchase agreements | $0 | 9,298 |
| Net loans & leases | $202,204,000 | 1,449 |
| Loan loss allowance | $1,687,000 | 2,250 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $3,781,000 | 2,040 |
| Other real estate owned | $67,000 | 2,322 |
| Goodwill and other intangibles | $1,722,000 | 930 |
| All other assets | $2,865,000 | 2,625 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $299,819,000 | 1,588 |
| Total liabilities | $248,044,000 | 1,714 |
| Total deposits | $199,342,000 | 1,970 |
| Interest-bearing deposits | $188,856,000 | 1,785 |
| Deposits held in domestic offices | $199,342,000 | 1,961 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $28,094,000 | 690 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $18,800,000 | 888 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $1,808,000 | 2,284 |
| Total equity capital | $51,775,000 | 919 |
| Total bank equity capital | $51,775,000 | 919 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $0 | 10,908 |
| Surplus | $23,778,000 | 800 |
| Undivided profits | $27,997,000 | 941 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $897,000 | 2,857 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $790,000 | 2,968 |
| Earning assets | $290,106,000 | 1,515 |
| Long-term assets (5+ years) | $72,097,000 | 891 |
| Average Assets, year-to-date | $284,005,800 | 1,604 |
| Average Assets, quarterly | $297,405,500 | 1,586 |
| Volatile liabilities | $45,848,000 | 1,376 |
| Insider loans | $1,360,000 | 2,988 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $5,405,000 | 4,766 |
| Tier 1 (core) risk-based capital | $49,462,000 | 911 |
| Tier 2 risk-based capital | $1,687,000 | 1,837 |
| Total risk weighted assets | $177,990,300 | 1,601 |
| Total unused commitments | $5,405,000 | 4,781 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 73 | 2,740 |
| Assets and Liabilities | ||
| Total Assets: | $267,059,000 | 1,721 |
| Cash and due from depository institutions | $7,833,000 | 2,740 |
| Interest-bearing balances | $6,731,000 | 528 |
| Securities | $72,151,000 | 1,822 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $179,325,000 | 1,571 |
| Loan loss allowance | $2,048,000 | 1,922 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $2,897,000 | 2,552 |
| Other real estate owned | $220,000 | 2,740 |
| Goodwill and other intangibles | $744,000 | 1,229 |
| All other assets | $3,889,000 | 2,119 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $267,059,000 | 1,721 |
| Total liabilities | $235,156,000 | 1,787 |
| Total deposits | $184,750,000 | 2,099 |
| Interest-bearing deposits | $174,333,000 | 1,899 |
| Deposits held in domestic offices | $184,750,000 | 2,089 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $16,006,000 | 986 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $32,558,000 | 693 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $1,842,000 | 1,922 |
| Total equity capital | $31,903,000 | 1,298 |
| Total bank equity capital | $31,903,000 | 1,298 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $2,170,000 | 1,885 |
| Surplus | $7,170,000 | 2,067 |
| Undivided profits | $22,563,000 | 1,040 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $322,000 | 5,461 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $437,000 | 4,794 |
| Earning assets | $258,207,000 | 1,630 |
| Long-term assets (5+ years) | $83,540,000 | 778 |
| Average Assets, year-to-date | $266,309,000 | 1,681 |
| Average Assets, quarterly | $264,700,500 | 1,723 |
| Volatile liabilities | $44,487,000 | 1,354 |
| Insider loans | $1,502,000 | 2,683 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $4,091,000 | 5,482 |
| Tier 1 (core) risk-based capital | $31,817,000 | 1,292 |
| Tier 2 risk-based capital | $2,008,710 | 1,571 |
| Total risk weighted assets | $160,355,710 | 1,726 |
| Total unused commitments | $4,091,000 | 5,489 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 72 | 2,907 |
| Assets and Liabilities | ||
| Total Assets: | $260,224,000 | 1,779 |
| Cash and due from depository institutions | $8,593,000 | 2,907 |
| Interest-bearing balances | $7,425,000 | 824 |
| Securities | $82,787,000 | 1,665 |
| Federal funds sold & reverse repurchase agreements | $0 | 10,345 |
| Net loans & leases | $162,048,000 | 1,696 |
| Loan loss allowance | $2,043,000 | 2,037 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $2,449,000 | 2,976 |
| Other real estate owned | $167,000 | 2,907 |
| Goodwill and other intangibles | $933,000 | 1,038 |
| All other assets | $3,247,000 | 2,257 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $260,224,000 | 1,779 |
| Total liabilities | $229,199,000 | 1,853 |
| Total deposits | $196,905,000 | 2,015 |
| Interest-bearing deposits | $188,011,000 | 1,838 |
| Deposits held in domestic offices | $196,905,000 | 2,004 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $14,549,000 | 884 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $16,378,000 | 845 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $1,367,000 | 2,462 |
| Total equity capital | $31,025,000 | 1,322 |
| Total bank equity capital | $31,025,000 | 1,322 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $2,150,000 | 1,927 |
| Surplus | $6,973,000 | 2,022 |
| Undivided profits | $21,902,000 | 1,072 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,926,000 | 1,981 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $170,000 | 8,905 |
| Earning assets | $252,260,000 | 1,693 |
| Long-term assets (5+ years) | $83,314,000 | 781 |
| Average Assets, year-to-date | $249,690,800 | 1,805 |
| Average Assets, quarterly | $261,417,000 | 1,753 |
| Volatile liabilities | $45,917,000 | 1,279 |
| Insider loans | $585,000 | 5,250 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $4,254,000 | 5,346 |
| Tier 1 (core) risk-based capital | $30,092,000 | 1,316 |
| Tier 2 risk-based capital | $1,942,680 | 1,615 |
| Total risk weighted assets | $155,302,280 | 1,773 |
| Total unused commitments | $4,254,000 | 5,365 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 71 | 3,027 |
| Assets and Liabilities | ||
| Total Assets: | $235,353,000 | 2,014 |
| Cash and due from depository institutions | $13,039,000 | 3,027 |
| Interest-bearing balances | $11,962,000 | 634 |
| Securities | $79,081,000 | 1,699 |
| Federal funds sold & reverse repurchase agreements | $0 | 11,296 |
| Net loans & leases | $133,128,000 | 2,094 |
| Loan loss allowance | $1,432,000 | 2,800 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $2,086,000 | 3,465 |
| Other real estate owned | $406,000 | 3,027 |
| Goodwill and other intangibles | $3,334,000 | 538 |
| All other assets | $4,279,000 | 1,877 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $235,353,000 | 2,014 |
| Total liabilities | $213,354,000 | 2,054 |
| Total deposits | $200,348,000 | 2,053 |
| Interest-bearing deposits | $194,144,000 | 1,855 |
| Deposits held in domestic offices | $200,348,000 | 2,044 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $9,200,000 | 1,037 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $2,510,000 | 1,789 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $1,296,000 | 2,655 |
| Total equity capital | $21,999,000 | 1,764 |
| Total bank equity capital | $21,999,000 | 1,764 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $0 | 12,472 |
| Surplus | $0 | 12,588 |
| Undivided profits | $21,999,000 | 974 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $579,000 | 5,170 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $314,000 | 6,288 |
| Earning assets | $224,171,000 | 1,933 |
| Long-term assets (5+ years) | $0 | 11,806 |
| Average Assets, year-to-date | $229,835,400 | 2,028 |
| Average Assets, quarterly | $233,153,500 | 2,019 |
| Volatile liabilities | $34,309,000 | 1,548 |
| Insider loans | $0 | 9,493 |
| FHLB advances | $2,510,000 | 613 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $8,699,000 | 3,222 |
| Tier 1 (core) risk-based capital | $20,985,000 | 1,809 |
| Tier 2 risk-based capital | $1,369,000 | 2,228 |
| Total risk weighted assets | $126,619,000 | 2,186 |
| Total unused commitments | $8,699,000 | 3,243 |
| Derivatives | $0 | 651 |