Call reports 2015
CHARTER BANK — 2015
What CHARTER BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 596,520,000 | 594,574,000 | 608,718,000 | 826,850,000 |
| Total loans | 402,787,000 | 417,600,000 | 427,510,000 | 568,964,000 |
| Allowance for loan losses | 8,601,000 | 8,638,000 | 8,120,000 | 8,644,000 |
| Securities available for sale | 158,426,000 | 153,826,000 | 155,217,000 | 199,656,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 490,380,000 | 488,583,000 | 498,031,000 | 685,351,000 |
| Interest-bearing deposits | 444,412,000 | 443,940,000 | 447,589,000 | 591,052,000 |
| Noninterest-bearing deposits | 45,968,000 | 44,643,000 | 50,442,000 | 94,299,000 |
| Equity capital | 83,825,000 | 81,230,000 | 82,696,000 | 104,691,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,355,000 | 12,861,000 | 19,535,000 | 33,377,000 |
| Interest expense | 744,000 | 1,455,000 | 2,184,000 | 3,385,000 |
| Net interest income | 5,611,000 | 11,406,000 | 17,351,000 | 29,992,000 |
| Noninterest income | 471,000 | 912,000 | 1,226,000 | 1,893,000 |
| Noninterest expense | 2,375,000 | 4,564,000 | 6,786,000 | 14,866,000 |
| Provision for loan losses | 0 | 0 | -500,000 | -1,864,000 |
| Pretax income | 3,711,000 | 7,812,000 | 12,376,000 | 19,032,000 |
| Income tax | 0 | 10,000 | 10,000 | 12,000 |
| Net income | 3,711,000 | 7,802,000 | 12,366,000 | 19,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,227,000 | 75,708,000 | 76,282,000 | 97,042,000 |
| Total capital | 81,199,000 | 81,636,000 | 82,362,000 | 104,952,000 |
| Risk-weighted assets | 475,150,000 | 471,532,000 | 484,394,000 | 632,081,000 |