Call reports 2018
CHARTER BANK — 2018
What CHARTER BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 865,808,000 | 873,386,000 | 893,515,000 | 913,735,000 |
| Total loans | 646,407,000 | 657,852,000 | 672,721,000 | 679,530,000 |
| Allowance for loan losses | 8,478,000 | 8,476,000 | 8,438,000 | 8,415,000 |
| Securities available for sale | 183,019,000 | 180,900,000 | 180,597,000 | 183,026,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 697,139,000 | 710,092,000 | 710,267,000 | 736,052,000 |
| Interest-bearing deposits | 545,568,000 | 556,295,000 | 610,997,000 | 625,077,000 |
| Noninterest-bearing deposits | 151,571,000 | 153,797,000 | 99,270,000 | 110,975,000 |
| Equity capital | 107,512,000 | 109,664,000 | 109,933,000 | 112,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 8,983,000 | 18,414,000 | 28,098,000 | 38,497,000 |
| Interest expense | 1,619,000 | 3,445,000 | 5,628,000 | 8,060,000 |
| Net interest income | 7,364,000 | 14,969,000 | 22,470,000 | 30,437,000 |
| Noninterest income | 574,000 | 1,308,000 | 1,930,000 | 2,520,000 |
| Noninterest expense | 3,890,000 | 7,588,000 | 11,237,000 | 15,401,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,139,000 | 8,846,000 | 13,345,000 | 17,758,000 |
| Income tax | 0 | 12,000 | 12,000 | 12,000 |
| Net income | 4,139,000 | 8,834,000 | 13,333,000 | 17,746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 105,486,000 | 108,187,000 | 110,691,000 | 112,089,000 |
| Total capital | 113,964,000 | 116,663,000 | 119,129,000 | 120,504,000 |
| Risk-weighted assets | 690,201,000 | 706,220,000 | 726,920,000 | 745,382,000 |