Call reports 2014
CHARTER BANK — 2014
What CHARTER BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 140,364,000 | 136,228,000 | 136,340,000 | 135,158,000 |
| Total loans | 67,585,000 | 68,931,000 | 71,503,000 | 72,890,000 |
| Allowance for loan losses | 415,000 | 409,000 | 409,000 | 409,000 |
| Securities available for sale | 55,298,000 | 54,302,000 | 54,338,000 | 52,831,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,785,000 | 120,886,000 | 120,681,000 | 119,716,000 |
| Interest-bearing deposits | 99,594,000 | 96,716,000 | 97,038,000 | 94,515,000 |
| Noninterest-bearing deposits | 26,191,000 | 24,170,000 | 23,643,000 | 25,201,000 |
| Equity capital | 14,132,000 | 14,741,000 | 15,059,000 | 14,940,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,171,000 | 2,396,000 | 3,587,000 | 4,802,000 |
| Interest expense | 169,000 | 337,000 | 502,000 | 666,000 |
| Net interest income | 1,002,000 | 2,059,000 | 3,085,000 | 4,136,000 |
| Noninterest income | 119,000 | 251,000 | 381,000 | 516,000 |
| Noninterest expense | 667,000 | 1,344,000 | 2,003,000 | 2,691,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 454,000 | 966,000 | 1,463,000 | 1,991,000 |
| Income tax | 119,000 | 260,000 | 398,000 | 539,000 |
| Net income | 335,000 | 706,000 | 1,065,000 | 1,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,760,000 | 14,130,000 | 14,491,000 | 14,407,000 |
| Total capital | 14,175,000 | 14,539,000 | 14,900,000 | 14,816,000 |
| Risk-weighted assets | 76,951,000 | 77,548,000 | 80,133,000 | 81,177,000 |