Call reports 2014
CHARTERBANK — 2014
What CHARTERBANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,073,905,000 | 1,035,609,000 | 1,009,969,000 | 978,362,000 |
| Total loans | 585,626,000 | 595,530,000 | 619,654,000 | 640,371,000 |
| Allowance for loan losses | 10,699,000 | 9,263,000 | 9,471,000 | 9,507,000 |
| Securities available for sale | 201,578,000 | 185,040,000 | 188,743,000 | 191,995,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 807,236,000 | 771,093,000 | 767,942,000 | 734,834,000 |
| Interest-bearing deposits | 720,076,000 | 681,423,000 | 664,442,000 | 632,082,000 |
| Noninterest-bearing deposits | 87,160,000 | 89,670,000 | 103,500,000 | 102,752,000 |
| Equity capital | 208,430,000 | 205,492,000 | 181,796,000 | 184,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 8,923,000 | 18,030,000 | 26,554,000 | 35,588,000 |
| Interest expense | 1,467,000 | 2,885,000 | 4,276,000 | 5,632,000 |
| Net interest income | 7,456,000 | 15,145,000 | 22,278,000 | 29,956,000 |
| Noninterest income | 3,261,000 | 6,185,000 | 9,828,000 | 13,243,000 |
| Noninterest expense | 8,048,000 | 16,420,000 | 25,288,000 | 33,390,000 |
| Provision for loan losses | -54,000 | -888,000 | -1,015,000 | -1,011,000 |
| Pretax income | 2,723,000 | 5,999,000 | 8,034,000 | 11,021,000 |
| Income tax | 871,000 | 1,949,000 | 2,602,000 | 3,565,000 |
| Net income | 1,852,000 | 4,050,000 | 5,432,000 | 7,456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 205,895,000 | 201,338,000 | 177,801,000 | 177,902,000 |
| Total capital | 213,748,000 | 209,299,000 | 186,154,000 | 186,731,000 |
| Risk-weighted assets | 625,367,000 | 635,543,000 | 667,101,000 | 705,661,000 |
Machine access — free, no API key
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