Call reports 2025
CHARTER BANK — 2025
What CHARTER BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 292,258,000 | 303,782,000 | 301,457,000 | 290,256,000 |
| Total loans | 181,741,000 | 183,118,000 | 177,425,000 | 172,381,000 |
| Allowance for loan losses | 2,598,000 | 2,597,000 | 2,626,000 | 2,596,000 |
| Securities available for sale | 96,912,000 | 96,040,000 | 99,093,000 | 106,219,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,894,000 | 257,933,000 | 274,348,000 | 262,483,000 |
| Interest-bearing deposits | 142,869,000 | 140,415,000 | 150,259,000 | 149,657,000 |
| Noninterest-bearing deposits | 107,025,000 | 117,518,000 | 124,089,000 | 112,826,000 |
| Equity capital | 20,512,000 | 19,517,000 | 22,749,000 | 23,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,058,000 | 10,164,000 | 15,409,000 | 20,366,000 |
| Interest expense | 1,156,000 | 2,283,000 | 3,494,000 | 4,449,000 |
| Net interest income | 3,902,000 | 7,881,000 | 11,915,000 | 15,917,000 |
| Noninterest income | 511,000 | 1,022,000 | 1,530,000 | 2,010,000 |
| Noninterest expense | 2,532,000 | 4,916,000 | 7,251,000 | 9,787,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,892,000 | 3,998,000 | 6,203,000 | 8,149,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,892,000 | 3,998,000 | 6,203,000 | 8,149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,261,000 | 34,262,000 | 34,263,000 | 34,265,000 |
| Total capital | 36,898,000 | 36,921,000 | 36,829,000 | 36,794,000 |
| Risk-weighted assets | 210,773,000 | 212,569,000 | 205,032,000 | 202,045,000 |