Call reports 2016
CHARTER BANK — 2016
What CHARTER BANK 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 | 270,502,000 | 267,997,000 | 244,957,000 | 243,184,000 |
| Total loans | 115,310,000 | 122,944,000 | 116,594,000 | 123,244,000 |
| Allowance for loan losses | 1,707,000 | 1,972,000 | 2,209,000 | 2,125,000 |
| Securities available for sale | 140,244,000 | 130,222,000 | 115,370,000 | 109,268,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,317,000 | 222,619,000 | 212,092,000 | 203,908,000 |
| Interest-bearing deposits | 113,250,000 | 112,559,000 | 108,348,000 | 109,735,000 |
| Noninterest-bearing deposits | 119,067,000 | 110,060,000 | 103,744,000 | 94,173,000 |
| Equity capital | 24,297,000 | 27,057,000 | 29,030,000 | 24,350,000 |
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 | 3,751,000 | 7,472,000 | 11,225,000 | 14,860,000 |
| Interest expense | 96,000 | 194,000 | 298,000 | 386,000 |
| Net interest income | 3,655,000 | 7,278,000 | 10,927,000 | 14,474,000 |
| Noninterest income | 425,000 | 863,000 | 1,329,000 | 1,783,000 |
| Noninterest expense | 2,268,000 | 4,355,000 | 6,187,000 | 8,477,000 |
| Provision for loan losses | 250,000 | 575,000 | 850,000 | 950,000 |
| Pretax income | 1,605,000 | 3,447,000 | 6,074,000 | 7,677,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,605,000 | 3,447,000 | 6,074,000 | 7,677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,814,000 | 19,289,000 | 22,040,000 | 22,556,000 |
| Total capital | 19,521,000 | 21,130,000 | 23,782,000 | 24,366,000 |
| Risk-weighted assets | 139,555,000 | 147,173,000 | 138,881,000 | 144,495,000 |