Call reports 2015
CHARTER BANK — 2015
What CHARTER BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 140,019,000 | 139,371,000 | 138,474,000 | 143,696,000 |
| Total loans | 75,899,000 | 77,802,000 | 78,536,000 | 82,472,000 |
| Allowance for loan losses | 410,000 | 411,000 | 409,000 | 410,000 |
| Securities available for sale | 52,788,000 | 49,068,000 | 50,100,000 | 49,740,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,219,000 | 123,632,000 | 122,175,000 | 127,435,000 |
| Interest-bearing deposits | 97,471,000 | 96,240,000 | 95,672,000 | 97,739,000 |
| Noninterest-bearing deposits | 26,748,000 | 27,392,000 | 26,503,000 | 29,696,000 |
| Equity capital | 15,068,000 | 15,169,000 | 15,650,000 | 15,830,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,219,000 | 2,475,000 | 3,719,000 | 4,997,000 |
| Interest expense | 155,000 | 315,000 | 475,000 | 636,000 |
| Net interest income | 1,064,000 | 2,160,000 | 3,244,000 | 4,361,000 |
| Noninterest income | 119,000 | 249,000 | 380,000 | 514,000 |
| Noninterest expense | 691,000 | 1,385,000 | 2,095,000 | 2,816,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 503,000 | 1,035,000 | 1,544,000 | 2,074,000 |
| Income tax | 140,000 | 293,000 | 443,000 | 600,000 |
| Net income | 363,000 | 742,000 | 1,101,000 | 1,474,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,310,000 | 14,689,000 | 15,048,000 | 15,422,000 |
| Total capital | 14,720,000 | 15,100,000 | 15,457,000 | 15,832,000 |
| Risk-weighted assets | 84,478,000 | 84,769,000 | 89,836,000 | 93,657,000 |