Call reports 2017
CHARTER BANK — 2017
What CHARTER BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 855,610,000 | 858,645,000 | 853,139,000 | 863,355,000 |
| Total loans | 630,484,000 | 627,263,000 | 631,188,000 | 633,894,000 |
| Allowance for loan losses | 8,201,000 | 8,357,000 | 8,602,000 | 8,481,000 |
| Securities available for sale | 188,880,000 | 190,517,000 | 187,000,000 | 192,597,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 695,176,000 | 693,664,000 | 688,580,000 | 705,738,000 |
| Interest-bearing deposits | 596,933,000 | 597,686,000 | 589,566,000 | 605,581,000 |
| Noninterest-bearing deposits | 98,243,000 | 95,978,000 | 99,014,000 | 100,157,000 |
| Equity capital | 107,655,000 | 111,834,000 | 114,452,000 | 108,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 8,523,000 | 17,344,000 | 26,290,000 | 35,347,000 |
| Interest expense | 1,157,000 | 2,502,000 | 3,948,000 | 5,447,000 |
| Net interest income | 7,366,000 | 14,842,000 | 22,342,000 | 29,900,000 |
| Noninterest income | 488,000 | 1,039,000 | 1,683,000 | 2,262,000 |
| Noninterest expense | 3,626,000 | 6,990,000 | 10,395,000 | 14,646,000 |
| Provision for loan losses | 50,000 | 50,000 | -200,000 | -350,000 |
| Pretax income | 4,204,000 | 8,940,000 | 14,108,000 | 18,182,000 |
| Income tax | 10,000 | 12,000 | 12,000 | 12,000 |
| Net income | 4,194,000 | 8,928,000 | 14,096,000 | 18,170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,371,000 | 106,111,000 | 109,019,000 | 103,343,000 |
| Total capital | 111,572,000 | 114,468,000 | 117,449,000 | 111,824,000 |
| Risk-weighted assets | 681,590,000 | 670,948,000 | 674,238,000 | 680,739,000 |