Call reports 2015
CHARTER BANK — 2015
What CHARTER BANK 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 | 270,401,000 | 267,102,000 | 275,164,000 | 266,889,000 |
| Total loans | 132,922,000 | 125,978,000 | 121,257,000 | 113,875,000 |
| Allowance for loan losses | 1,930,000 | 1,938,000 | 1,870,000 | 1,667,000 |
| Securities available for sale | 113,481,000 | 122,922,000 | 129,770,000 | 141,002,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,745,000 | 242,606,000 | 248,677,000 | 234,044,000 |
| Interest-bearing deposits | 108,741,000 | 112,990,000 | 112,976,000 | 114,549,000 |
| Noninterest-bearing deposits | 136,004,000 | 129,616,000 | 135,701,000 | 119,495,000 |
| Equity capital | 21,955,000 | 20,729,000 | 21,754,000 | 23,458,000 |
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 | 3,929,000 | 7,827,000 | 11,697,000 | 15,472,000 |
| Interest expense | 74,000 | 146,000 | 217,000 | 291,000 |
| Net interest income | 3,855,000 | 7,681,000 | 11,480,000 | 15,181,000 |
| Noninterest income | 433,000 | 873,000 | 1,317,000 | 1,750,000 |
| Noninterest expense | 2,304,000 | 4,473,000 | 6,678,000 | 8,919,000 |
| Provision for loan losses | 225,000 | 225,000 | 225,000 | 25,000 |
| Pretax income | 1,795,000 | 3,901,000 | 5,954,000 | 8,047,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,795,000 | 3,901,000 | 5,954,000 | 8,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,483,000 | 17,234,000 | 17,282,000 | 17,800,000 |
| Total capital | 18,345,000 | 19,041,000 | 19,003,000 | 19,467,000 |
| Risk-weighted assets | 148,960,000 | 144,439,000 | 137,543,000 | 138,980,000 |