Call reports 2023
CHARTER BANK — 2023
What CHARTER BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 337,843,000 | 328,980,000 | 316,892,000 | 302,674,000 |
| Total loans | 197,518,000 | 195,767,000 | 190,753,000 | 185,241,000 |
| Allowance for loan losses | 2,865,000 | 2,944,000 | 2,929,000 | 2,739,000 |
| Securities available for sale | 123,516,000 | 123,148,000 | 111,851,000 | 102,483,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,490,000 | 257,020,000 | 254,553,000 | 249,187,000 |
| Interest-bearing deposits | 130,362,000 | 125,775,000 | 128,024,000 | 124,911,000 |
| Noninterest-bearing deposits | 142,128,000 | 131,245,000 | 126,529,000 | 124,276,000 |
| Equity capital | 22,762,000 | 22,152,000 | 18,399,000 | 22,891,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,292,000 | 10,657,000 | 16,140,000 | 21,373,000 |
| Interest expense | 825,000 | 1,804,000 | 2,848,000 | 3,965,000 |
| Net interest income | 4,467,000 | 8,853,000 | 13,292,000 | 17,408,000 |
| Noninterest income | 506,000 | 1,002,000 | 1,530,000 | 2,078,000 |
| Noninterest expense | 2,381,000 | 4,944,000 | 7,670,000 | 10,371,000 |
| Provision for loan losses | 0 | 80,000 | 80,000 | -110,000 |
| Pretax income | 2,592,000 | 4,831,000 | 7,067,000 | 9,030,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,592,000 | 4,831,000 | 7,067,000 | 9,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,071,000 | 36,072,000 | 36,073,000 | 34,256,000 |
| Total capital | 38,856,000 | 38,814,000 | 38,793,000 | 36,891,000 |
| Risk-weighted assets | 222,748,000 | 219,176,000 | 217,403,000 | 210,471,000 |