Call reports 2017
CHARTER BANK — 2017
What CHARTER BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 156,047,000 | 156,110,000 | 154,277,000 | 155,572,000 |
| Total loans | 93,528,000 | 98,550,000 | 99,153,000 | 100,219,000 |
| Allowance for loan losses | 523,000 | 560,000 | 598,000 | 635,000 |
| Securities available for sale | 48,672,000 | 43,886,000 | 42,836,000 | 43,814,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,506,000 | 138,955,000 | 136,881,000 | 138,133,000 |
| Interest-bearing deposits | 102,665,000 | 102,661,000 | 101,258,000 | 100,735,000 |
| Noninterest-bearing deposits | 36,841,000 | 36,294,000 | 35,623,000 | 37,398,000 |
| Equity capital | 16,140,000 | 16,598,000 | 16,884,000 | 16,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,341,000 | 2,766,000 | 4,197,000 | 5,608,000 |
| Interest expense | 167,000 | 348,000 | 534,000 | 722,000 |
| Net interest income | 1,174,000 | 2,418,000 | 3,663,000 | 4,886,000 |
| Noninterest income | 135,000 | 273,000 | 412,000 | 551,000 |
| Noninterest expense | 860,000 | 1,713,000 | 2,578,000 | 3,438,000 |
| Provision for loan losses | 38,000 | 75,000 | 113,000 | 150,000 |
| Pretax income | 411,000 | 903,000 | 1,384,000 | 1,849,000 |
| Income tax | 115,000 | 261,000 | 406,000 | 570,000 |
| Net income | 296,000 | 642,000 | 978,000 | 1,279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,106,000 | 16,452,000 | 16,788,000 | 17,116,000 |
| Total capital | 16,629,000 | 17,012,000 | 17,386,000 | 17,751,000 |
| Risk-weighted assets | 106,873,000 | 110,591,000 | 110,338,000 | 109,389,000 |