Call reports 2013
CHARTER BANK — 2013
What CHARTER BANK 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 | 225,697,000 | 216,659,000 | 220,724,000 | 229,484,000 |
| Total loans | 124,268,000 | 118,542,000 | 115,712,000 | 116,010,000 |
| Allowance for loan losses | 1,864,000 | 1,909,000 | 1,795,000 | 1,748,000 |
| Securities available for sale | 86,538,000 | 88,029,000 | 88,216,000 | 92,822,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,935,000 | 186,983,000 | 200,421,000 | 209,839,000 |
| Interest-bearing deposits | 108,905,000 | 101,365,000 | 106,461,000 | 109,691,000 |
| Noninterest-bearing deposits | 94,030,000 | 85,618,000 | 93,960,000 | 100,148,000 |
| Equity capital | 19,894,000 | 18,364,000 | 16,714,000 | 16,834,000 |
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 | 3,539,000 | 7,071,000 | 10,611,000 | 14,156,000 |
| Interest expense | 90,000 | 167,000 | 249,000 | 331,000 |
| Net interest income | 3,449,000 | 6,904,000 | 10,362,000 | 13,825,000 |
| Noninterest income | 421,000 | 829,000 | 1,328,000 | 1,749,000 |
| Noninterest expense | 2,076,000 | 4,123,000 | 6,296,000 | 8,479,000 |
| Provision for loan losses | 0 | -50,000 | -200,000 | -300,000 |
| Pretax income | 1,794,000 | 3,660,000 | 5,602,000 | 7,395,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,794,000 | 3,660,000 | 5,602,000 | 7,395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,511,000 | 14,511,000 | 14,513,000 | 14,511,000 |
| Total capital | 16,163,000 | 16,106,000 | 16,104,000 | 16,126,000 |
| Risk-weighted assets | 131,943,000 | 127,313,000 | 127,068,000 | 129,083,000 |