Call reports 2020
CHARTER BANK — 2020
What CHARTER BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 947,297,000 | 1,033,957,000 | 1,070,552,000 | 1,120,018,000 |
| Total loans | 684,667,000 | 730,218,000 | 724,352,000 | 707,042,000 |
| Allowance for loan losses | 8,960,000 | 9,573,000 | 11,567,000 | 10,053,000 |
| Securities available for sale | 157,026,000 | 163,095,000 | 169,122,000 | 179,581,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 657,515,000 | 739,140,000 | 776,948,000 | 820,790,000 |
| Interest-bearing deposits | 548,530,000 | 576,234,000 | 616,512,000 | 624,138,000 |
| Noninterest-bearing deposits | 108,985,000 | 162,906,000 | 160,436,000 | 196,652,000 |
| Equity capital | 122,075,000 | 124,997,000 | 126,090,000 | 130,565,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 9,771,000 | 18,997,000 | 28,646,000 | 38,517,000 |
| Interest expense | 2,204,000 | 4,039,000 | 5,732,000 | 7,302,000 |
| Net interest income | 7,567,000 | 14,958,000 | 22,914,000 | 31,215,000 |
| Noninterest income | 880,000 | 1,714,000 | 2,544,000 | 3,518,000 |
| Noninterest expense | 4,293,000 | 8,108,000 | 11,830,000 | 16,616,000 |
| Provision for loan losses | 300,000 | 1,800,000 | 3,300,000 | 1,800,000 |
| Pretax income | 3,866,000 | 6,894,000 | 10,537,000 | 16,561,000 |
| Income tax | 0 | 0 | 12,000 | 12,000 |
| Net income | 3,866,000 | 6,894,000 | 10,525,000 | 16,549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 119,325,000 | 120,852,000 | 121,483,000 | 122,586,000 |
| Total capital | 128,285,000 | 130,425,000 | 131,646,000 | 132,615,000 |
| Risk-weighted assets | 764,839,000 | 820,467,000 | 811,652,000 | 802,325,000 |