Call reports 2015
CHARTERBANK — 2015
What CHARTERBANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,008,950,000 | 1,003,925,000 | 1,026,142,000 | 1,004,371,000 |
| Total loans | 669,097,000 | 685,962,000 | 727,018,000 | 693,390,000 |
| Allowance for loan losses | 9,409,000 | 9,433,000 | 9,488,000 | 9,695,000 |
| Securities available for sale | 182,982,000 | 189,791,000 | 184,404,000 | 175,988,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 784,398,000 | 776,636,000 | 784,655,000 | 771,472,000 |
| Interest-bearing deposits | 674,681,000 | 670,478,000 | 667,879,000 | 661,680,000 |
| Noninterest-bearing deposits | 109,717,000 | 106,158,000 | 116,776,000 | 109,792,000 |
| Equity capital | 169,509,000 | 171,223,000 | 172,826,000 | 176,716,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 9,092,000 | 18,491,000 | 29,051,000 | 39,523,000 |
| Interest expense | 1,252,000 | 2,496,000 | 3,742,000 | 4,983,000 |
| Net interest income | 7,840,000 | 15,995,000 | 25,309,000 | 34,540,000 |
| Noninterest income | 3,280,000 | 7,087,000 | 8,596,000 | 15,516,000 |
| Noninterest expense | 8,323,000 | 16,857,000 | 26,312,000 | 34,934,000 |
| Provision for loan losses | -4,000 | -4,000 | -4,000 | -4,000 |
| Pretax income | 2,773,000 | 6,201,000 | 7,569,000 | 15,134,000 |
| Income tax | 904,000 | 2,026,000 | 2,421,000 | 5,039,000 |
| Net income | 1,869,000 | 4,175,000 | 5,148,000 | 10,095,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 164,506,000 | 166,837,000 | 167,834,000 | 172,801,000 |
| Total capital | 173,784,000 | 176,270,000 | 177,322,000 | 182,496,000 |
| Risk-weighted assets | 742,117,000 | 770,362,000 | 816,874,000 | 785,491,000 |