Call reports 2019
CHARTER BANK — 2019
What CHARTER BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 906,952,000 | 911,422,000 | 949,696,000 | 937,953,000 |
| Total loans | 682,314,000 | 669,938,000 | 672,521,000 | 668,545,000 |
| Allowance for loan losses | 8,296,000 | 8,303,000 | 8,335,000 | 8,659,000 |
| Securities available for sale | 175,578,000 | 164,962,000 | 162,133,000 | 159,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 713,619,000 | 708,477,000 | 709,081,000 | 683,539,000 |
| Interest-bearing deposits | 615,082,000 | 603,291,000 | 589,309,000 | 562,659,000 |
| Noninterest-bearing deposits | 98,537,000 | 105,186,000 | 119,772,000 | 120,880,000 |
| Equity capital | 117,866,000 | 121,830,000 | 125,330,000 | 123,446,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 10,144,000 | 20,339,000 | 30,620,000 | 40,677,000 |
| Interest expense | 2,529,000 | 5,041,000 | 7,639,000 | 10,095,000 |
| Net interest income | 7,615,000 | 15,298,000 | 22,981,000 | 30,582,000 |
| Noninterest income | 621,000 | 1,284,000 | 1,984,000 | 2,743,000 |
| Noninterest expense | 3,922,000 | 7,794,000 | 11,411,000 | 15,766,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,347,000 | 8,967,000 | 13,773,000 | 17,782,000 |
| Income tax | 0 | 12,000 | 12,000 | 12,000 |
| Net income | 4,347,000 | 8,955,000 | 13,761,000 | 17,770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 114,186,000 | 116,543,000 | 119,099,000 | 117,859,000 |
| Total capital | 122,482,000 | 124,846,000 | 127,434,000 | 126,518,000 |
| Risk-weighted assets | 744,865,000 | 734,853,000 | 757,332,000 | 747,921,000 |