Call reports 2013
CHARTERBANK — 2013
What CHARTERBANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,136,819,000 | 1,124,279,000 | 1,093,615,000 | 1,075,353,000 |
| Total loans | 570,977,000 | 581,811,000 | 595,053,000 | 593,200,000 |
| Allowance for loan losses | 15,497,000 | 14,109,000 | 12,113,000 | 11,929,000 |
| Securities available for sale | 197,369,000 | 226,551,000 | 215,118,000 | 208,064,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 930,773,000 | 850,047,000 | 824,473,000 | 806,635,000 |
| Interest-bearing deposits | 709,370,000 | 762,408,000 | 742,363,000 | 729,521,000 |
| Noninterest-bearing deposits | 221,403,000 | 87,639,000 | 82,110,000 | 77,114,000 |
| Equity capital | 133,031,000 | 203,097,000 | 204,604,000 | 205,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 11,006,000 | 21,659,000 | 31,586,000 | 40,842,000 |
| Interest expense | 1,907,000 | 3,687,000 | 5,392,000 | 6,969,000 |
| Net interest income | 9,099,000 | 17,972,000 | 26,194,000 | 33,873,000 |
| Noninterest income | 1,881,000 | 4,525,000 | 7,284,000 | 11,221,000 |
| Noninterest expense | 8,436,000 | 16,977,000 | 25,959,000 | 34,502,000 |
| Provision for loan losses | 258,000 | 800,000 | 1,095,000 | 1,397,000 |
| Pretax income | 2,286,000 | 4,720,000 | 6,454,000 | 9,225,000 |
| Income tax | 757,000 | 1,463,000 | 1,993,000 | 2,839,000 |
| Net income | 1,529,000 | 3,257,000 | 4,461,000 | 6,386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 128,154,000 | 200,914,000 | 202,119,000 | 204,043,000 |
| Total capital | 135,621,000 | 208,482,000 | 209,930,000 | 211,923,000 |
| Risk-weighted assets | 589,295,000 | 602,225,000 | 620,599,000 | 626,369,000 |
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