Call reports 2021
CHARTER BANK — 2021
What CHARTER BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,141,165,000 | 1,128,494,000 | 1,182,017,000 | 1,136,168,000 |
| Total loans | 727,716,000 | 739,179,000 | 735,466,000 | 763,687,000 |
| Allowance for loan losses | 10,056,000 | 10,113,000 | 10,027,000 | 8,540,000 |
| Securities available for sale | 190,105,000 | 216,232,000 | 233,409,000 | 253,505,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 852,337,000 | 835,823,000 | 887,925,000 | 882,900,000 |
| Interest-bearing deposits | 665,799,000 | 669,047,000 | 698,061,000 | 698,940,000 |
| Noninterest-bearing deposits | 186,538,000 | 166,776,000 | 189,864,000 | 183,960,000 |
| Equity capital | 131,447,000 | 135,736,000 | 137,179,000 | 139,044,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 9,557,000 | 18,623,000 | 28,104,000 | 37,419,000 |
| Interest expense | 1,395,000 | 2,752,000 | 4,026,000 | 5,145,000 |
| Net interest income | 8,162,000 | 15,871,000 | 24,078,000 | 32,274,000 |
| Noninterest income | 1,064,000 | 2,084,000 | 3,123,000 | 3,999,000 |
| Noninterest expense | 4,301,000 | 8,815,000 | 13,506,000 | 19,705,000 |
| Provision for loan losses | 0 | 0 | 0 | -1,500,000 |
| Pretax income | 4,940,000 | 9,176,000 | 13,503,000 | 17,876,000 |
| Income tax | 0 | 12,000 | 12,000 | 12,000 |
| Net income | 4,940,000 | 9,164,000 | 13,491,000 | 17,864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 125,282,000 | 127,264,000 | 129,349,000 | 131,479,000 |
| Total capital | 134,979,000 | 137,377,000 | 139,376,000 | 140,019,000 |
| Risk-weighted assets | 775,433,000 | 817,729,000 | 846,290,000 | 893,775,000 |