Call reports 2016
CHARTER BANK — 2016
What CHARTER BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 144,859,000 | 146,492,000 | 148,177,000 | 151,487,000 |
| Total loans | 82,930,000 | 83,040,000 | 85,558,000 | 90,601,000 |
| Allowance for loan losses | 425,000 | 440,000 | 463,000 | 485,000 |
| Securities available for sale | 48,607,000 | 44,814,000 | 46,088,000 | 49,359,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,360,000 | 129,429,000 | 130,961,000 | 133,092,000 |
| Interest-bearing deposits | 99,268,000 | 100,763,000 | 97,527,000 | 99,026,000 |
| Noninterest-bearing deposits | 29,092,000 | 28,666,000 | 33,434,000 | 34,066,000 |
| Equity capital | 15,834,000 | 16,359,000 | 16,581,000 | 16,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,276,000 | 2,566,000 | 3,887,000 | 5,202,000 |
| Interest expense | 157,000 | 320,000 | 482,000 | 640,000 |
| Net interest income | 1,119,000 | 2,246,000 | 3,405,000 | 4,562,000 |
| Noninterest income | 118,000 | 254,000 | 390,000 | 527,000 |
| Noninterest expense | 714,000 | 1,449,000 | 2,218,000 | 3,030,000 |
| Provision for loan losses | 15,000 | 30,000 | 53,000 | 75,000 |
| Pretax income | 508,000 | 1,021,000 | 1,524,000 | 1,984,000 |
| Income tax | 149,000 | 303,000 | 454,000 | 586,000 |
| Net income | 359,000 | 718,000 | 1,070,000 | 1,398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,290,000 | 15,650,000 | 16,002,000 | 16,330,000 |
| Total capital | 15,715,000 | 16,090,000 | 16,465,000 | 16,815,000 |
| Risk-weighted assets | 94,600,000 | 94,817,000 | 97,992,000 | 103,498,000 |