Call reports 2017
CHARTERBANK — 2017
What CHARTERBANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,483,672,000 | 1,478,645,000 | 1,642,043,000 | 1,647,245,000 |
| Total loans | 1,021,262,000 | 1,045,572,000 | 1,163,906,000 | 1,165,214,000 |
| Allowance for loan losses | 10,505,000 | 10,800,000 | 11,078,000 | 11,114,000 |
| Securities available for sale | 191,483,000 | 187,655,000 | 183,790,000 | 180,205,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,226,944,000 | 1,216,953,000 | 1,367,901,000 | 1,370,550,000 |
| Interest-bearing deposits | 1,020,874,000 | 1,012,453,000 | 1,110,849,000 | 1,120,057,000 |
| Noninterest-bearing deposits | 206,070,000 | 204,500,000 | 257,052,000 | 250,493,000 |
| Equity capital | 199,327,000 | 203,689,000 | 204,292,000 | 209,004,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 13,366,000 | 27,054,000 | 42,173,000 | 58,509,000 |
| Interest expense | 1,533,000 | 3,055,000 | 4,694,000 | 6,536,000 |
| Net interest income | 11,833,000 | 23,999,000 | 37,479,000 | 51,973,000 |
| Noninterest income | 4,240,000 | 8,811,000 | 13,904,000 | 19,307,000 |
| Noninterest expense | 10,061,000 | 20,514,000 | 34,318,000 | 45,591,000 |
| Provision for loan losses | -150,000 | -150,000 | -150,000 | -150,000 |
| Pretax income | 6,410,000 | 12,694,000 | 17,463,000 | 26,088,000 |
| Income tax | 2,565,000 | 4,842,000 | 6,538,000 | 9,906,000 |
| Net income | 3,845,000 | 7,852,000 | 10,925,000 | 16,182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 169,410,000 | 173,511,000 | 163,191,000 | 168,600,000 |
| Total capital | 179,915,000 | 184,311,000 | 174,269,000 | 179,714,000 |
| Risk-weighted assets | 1,088,266,000 | 1,105,935,000 | 1,206,053,000 | 1,229,992,000 |