Call reports 2013
CHARTER BANK — 2013
What CHARTER BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 565,172,000 | 559,392,000 | 563,696,000 | 559,219,000 |
| Total loans | 362,283,000 | 365,712,000 | 371,756,000 | 366,994,000 |
| Allowance for loan losses | 11,024,000 | 11,408,000 | 11,653,000 | 10,282,000 |
| Securities available for sale | 180,296,000 | 173,328,000 | 169,878,000 | 166,747,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 463,383,000 | 463,964,000 | 469,985,000 | 466,109,000 |
| Interest-bearing deposits | 426,731,000 | 420,989,000 | 423,937,000 | 420,811,000 |
| Noninterest-bearing deposits | 36,652,000 | 42,975,000 | 46,048,000 | 45,298,000 |
| Equity capital | 81,560,000 | 73,648,000 | 72,266,000 | 70,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,743,000 | 13,446,000 | 20,099,000 | 26,702,000 |
| Interest expense | 810,000 | 1,567,000 | 2,322,000 | 3,060,000 |
| Net interest income | 5,933,000 | 11,879,000 | 17,777,000 | 23,642,000 |
| Noninterest income | 280,000 | 618,000 | 875,000 | 1,138,000 |
| Noninterest expense | 2,423,000 | 4,480,000 | 6,436,000 | 9,407,000 |
| Provision for loan losses | 400,000 | 400,000 | 150,000 | -365,000 |
| Pretax income | 3,390,000 | 7,615,000 | 12,060,000 | 15,812,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,390,000 | 7,615,000 | 12,060,000 | 15,812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,497,000 | 72,972,000 | 73,416,000 | 73,358,000 |
| Total capital | 77,607,000 | 78,163,000 | 78,708,000 | 78,529,000 |
| Risk-weighted assets | 402,869,000 | 409,037,000 | 417,012,000 | 408,539,000 |