Call reports 2016
CHARTER BANK — 2016
What CHARTER BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 826,024,000 | 832,635,000 | 837,509,000 | 835,164,000 |
| Total loans | 590,530,000 | 596,483,000 | 609,248,000 | 603,852,000 |
| Allowance for loan losses | 8,791,000 | 8,733,000 | 8,521,000 | 7,919,000 |
| Securities available for sale | 198,027,000 | 194,245,000 | 193,001,000 | 188,470,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 664,354,000 | 670,410,000 | 679,458,000 | 681,608,000 |
| Interest-bearing deposits | 570,463,000 | 580,616,000 | 589,246,000 | 580,258,000 |
| Noninterest-bearing deposits | 93,891,000 | 89,794,000 | 90,212,000 | 101,350,000 |
| Equity capital | 106,931,000 | 110,377,000 | 109,739,000 | 104,961,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 8,421,000 | 16,900,000 | 25,351,000 | 33,809,000 |
| Interest expense | 927,000 | 1,923,000 | 2,962,000 | 4,042,000 |
| Net interest income | 7,494,000 | 14,977,000 | 22,389,000 | 29,767,000 |
| Noninterest income | 500,000 | 1,048,000 | 1,670,000 | 2,220,000 |
| Noninterest expense | 3,627,000 | 6,956,000 | 10,479,000 | 14,588,000 |
| Provision for loan losses | 50,000 | 50,000 | -150,000 | -450,000 |
| Pretax income | 4,368,000 | 9,226,000 | 14,071,000 | 18,143,000 |
| Income tax | 0 | 12,000 | 12,000 | 12,000 |
| Net income | 4,368,000 | 9,214,000 | 14,059,000 | 18,131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,760,000 | 98,826,000 | 99,941,000 | 101,172,000 |
| Total capital | 105,871,000 | 107,061,000 | 108,341,000 | 109,091,000 |
| Risk-weighted assets | 648,235,000 | 658,289,000 | 671,851,000 | 665,033,000 |