Call reports 2013
CHARTER BANK — 2013
What CHARTER BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 135,705,000 | 135,959,000 | 135,906,000 | 135,312,000 |
| Total loans | 63,650,000 | 67,245,000 | 65,476,000 | 67,478,000 |
| Allowance for loan losses | 463,000 | 430,000 | 426,000 | 415,000 |
| Securities available for sale | 53,764,000 | 53,188,000 | 53,724,000 | 53,106,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,322,000 | 122,632,000 | 121,977,000 | 121,211,000 |
| Interest-bearing deposits | 101,298,000 | 100,288,000 | 99,236,000 | 98,646,000 |
| Noninterest-bearing deposits | 20,024,000 | 22,344,000 | 22,741,000 | 22,565,000 |
| Equity capital | 13,574,000 | 13,093,000 | 13,546,000 | 13,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,239,000 | 2,482,000 | 3,717,000 | 4,963,000 |
| Interest expense | 213,000 | 418,000 | 613,000 | 799,000 |
| Net interest income | 1,026,000 | 2,064,000 | 3,104,000 | 4,164,000 |
| Noninterest income | 107,000 | 221,000 | 337,000 | 448,000 |
| Noninterest expense | 653,000 | 1,310,000 | 1,983,000 | 2,659,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 493,000 | 988,000 | 1,471,000 | 1,994,000 |
| Income tax | 129,000 | 260,000 | 389,000 | 528,000 |
| Net income | 364,000 | 728,000 | 1,082,000 | 1,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,502,000 | 12,867,000 | 13,219,000 | 13,750,000 |
| Total capital | 12,965,000 | 13,297,000 | 13,645,000 | 14,165,000 |
| Risk-weighted assets | 73,678,000 | 76,267,000 | 74,763,000 | 76,003,000 |