Call reports 2018
CHARTER BANK — 2018
What CHARTER BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 263,806,000 | 271,853,000 | 279,451,000 | 282,122,000 |
| Total loans | 139,999,000 | 149,569,000 | 159,211,000 | 163,016,000 |
| Allowance for loan losses | 2,870,000 | 2,862,000 | 2,846,000 | 2,828,000 |
| Securities available for sale | 110,521,000 | 112,657,000 | 111,547,000 | 109,150,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,404,000 | 239,928,000 | 243,952,000 | 231,693,000 |
| Interest-bearing deposits | 125,002,000 | 131,543,000 | 131,335,000 | 126,257,000 |
| Noninterest-bearing deposits | 107,402,000 | 108,385,000 | 112,617,000 | 105,436,000 |
| Equity capital | 27,366,000 | 28,297,000 | 27,576,000 | 28,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,869,000 | 8,025,000 | 12,381,000 | 16,978,000 |
| Interest expense | 120,000 | 311,000 | 531,000 | 790,000 |
| Net interest income | 3,749,000 | 7,714,000 | 11,850,000 | 16,188,000 |
| Noninterest income | 452,000 | 910,000 | 1,398,000 | 1,825,000 |
| Noninterest expense | 1,576,000 | 3,804,000 | 6,144,000 | 8,690,000 |
| Provision for loan losses | 669,000 | 669,000 | 669,000 | 669,000 |
| Pretax income | 1,956,000 | 4,151,000 | 6,544,000 | 8,806,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,956,000 | 4,151,000 | 6,544,000 | 8,806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,650,000 | 26,264,000 | 26,869,000 | 26,668,000 |
| Total capital | 27,684,000 | 28,423,000 | 29,155,000 | 29,015,000 |
| Risk-weighted assets | 161,845,000 | 172,016,000 | 182,360,000 | 187,311,000 |