Call reports 2016
CHARTERBANK — 2016
What CHARTERBANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,049,700,000 | 1,426,129,000 | 1,440,838,000 | 1,463,342,000 |
| Total loans | 713,589,000 | 1,009,047,000 | 1,008,305,000 | 1,005,344,000 |
| Allowance for loan losses | 9,850,000 | 10,118,000 | 10,371,000 | 10,499,000 |
| Securities available for sale | 172,197,000 | 169,737,000 | 206,336,000 | 196,279,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 813,316,000 | 1,178,032,000 | 1,185,539,000 | 1,210,373,000 |
| Interest-bearing deposits | 691,615,000 | 987,971,000 | 995,693,000 | 1,029,681,000 |
| Noninterest-bearing deposits | 121,701,000 | 190,061,000 | 189,846,000 | 180,692,000 |
| Equity capital | 179,966,000 | 188,763,000 | 192,919,000 | 195,454,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 9,933,000 | 23,616,000 | 37,501,000 | 51,413,000 |
| Interest expense | 1,250,000 | 2,710,000 | 4,221,000 | 5,778,000 |
| Net interest income | 8,683,000 | 20,906,000 | 33,280,000 | 45,635,000 |
| Noninterest income | 4,453,000 | 9,192,000 | 14,424,000 | 19,770,000 |
| Noninterest expense | 9,253,000 | 23,802,000 | 34,904,000 | 44,955,000 |
| Provision for loan losses | 0 | -100,000 | -250,000 | -1,000,000 |
| Pretax income | 3,883,000 | 6,409,000 | 13,063,000 | 21,463,000 |
| Income tax | 1,327,000 | 2,090,000 | 4,554,000 | 7,541,000 |
| Net income | 2,556,000 | 4,319,000 | 8,509,000 | 13,922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 175,358,000 | 155,958,000 | 160,437,000 | 165,942,000 |
| Total capital | 185,208,000 | 166,076,000 | 170,808,000 | 176,441,000 |
| Risk-weighted assets | 805,876,000 | 1,108,072,000 | 1,118,998,000 | 1,109,174,000 |