Call reports 2014
CHARTER BANK — 2014
What CHARTER BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 568,918,000 | 579,899,000 | 583,872,000 | 590,257,000 |
| Total loans | 380,110,000 | 385,429,000 | 392,777,000 | 396,872,000 |
| Allowance for loan losses | 10,323,000 | 10,474,000 | 9,731,000 | 8,748,000 |
| Securities available for sale | 171,818,000 | 173,035,000 | 171,626,000 | 165,581,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 466,784,000 | 474,545,000 | 478,869,000 | 486,496,000 |
| Interest-bearing deposits | 424,520,000 | 425,770,000 | 435,609,000 | 438,038,000 |
| Noninterest-bearing deposits | 42,264,000 | 48,774,000 | 43,260,000 | 48,458,000 |
| Equity capital | 76,563,000 | 80,518,000 | 82,449,000 | 83,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,415,000 | 12,928,000 | 19,499,000 | 26,021,000 |
| Interest expense | 696,000 | 1,411,000 | 2,142,000 | 2,888,000 |
| Net interest income | 5,719,000 | 11,517,000 | 17,357,000 | 23,133,000 |
| Noninterest income | 338,000 | 904,000 | 1,153,000 | 1,435,000 |
| Noninterest expense | 2,280,000 | 4,392,000 | 6,481,000 | 9,393,000 |
| Provision for loan losses | 0 | 0 | -750,000 | -750,000 |
| Pretax income | 3,818,000 | 8,157,000 | 12,904,000 | 16,112,000 |
| Income tax | 0 | 5,000 | 5,000 | 5,000 |
| Net income | 3,818,000 | 8,152,000 | 12,899,000 | 16,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,177,000 | 74,601,000 | 75,163,000 | 74,616,000 |
| Total capital | 79,531,000 | 80,023,000 | 80,626,000 | 80,131,000 |
| Risk-weighted assets | 423,338,000 | 428,691,000 | 432,782,000 | 437,965,000 |