Call reports 2014
CHARTER BANK — 2014
What CHARTER BANK 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 | 238,479,000 | 247,775,000 | 254,612,000 | 252,672,000 |
| Total loans | 123,517,000 | 131,665,000 | 131,491,000 | 132,629,000 |
| Allowance for loan losses | 1,715,000 | 1,651,000 | 1,670,000 | 1,710,000 |
| Securities available for sale | 96,941,000 | 100,847,000 | 102,715,000 | 107,638,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,216,000 | 209,414,000 | 229,022,000 | 222,353,000 |
| Interest-bearing deposits | 107,181,000 | 106,568,000 | 115,428,000 | 105,426,000 |
| Noninterest-bearing deposits | 110,035,000 | 102,846,000 | 113,594,000 | 116,927,000 |
| Equity capital | 18,390,000 | 20,455,000 | 20,912,000 | 20,928,000 |
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 | 3,590,000 | 7,367,000 | 11,330,000 | 15,347,000 |
| Interest expense | 79,000 | 165,000 | 253,000 | 339,000 |
| Net interest income | 3,511,000 | 7,202,000 | 11,077,000 | 15,008,000 |
| Noninterest income | 430,000 | 884,000 | 1,346,000 | 1,802,000 |
| Noninterest expense | 2,135,000 | 4,314,000 | 6,503,000 | 8,724,000 |
| Provision for loan losses | -100,000 | -185,000 | -235,000 | -235,000 |
| Pretax income | 1,903,000 | 3,954,000 | 6,152,000 | 8,354,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,903,000 | 3,954,000 | 6,152,000 | 8,354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,864,000 | 16,145,000 | 15,991,000 | 16,192,000 |
| Total capital | 16,579,000 | 17,796,000 | 17,661,000 | 17,902,000 |
| Risk-weighted assets | 137,419,000 | 148,148,000 | 146,592,000 | 147,216,000 |