Call reports 2018
CHARTER BANK — 2018
What CHARTER BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 157,734,000 | 160,537,000 | 156,202,000 | 158,451,000 |
| Total loans | 102,588,000 | 104,142,000 | 100,815,000 | 101,048,000 |
| Allowance for loan losses | 635,000 | 688,000 | 689,000 | 688,000 |
| Securities available for sale | 43,196,000 | 40,006,000 | 40,649,000 | 41,879,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,726,000 | 143,236,000 | 138,565,000 | 140,453,000 |
| Interest-bearing deposits | 105,300,000 | 107,309,000 | 104,607,000 | 106,230,000 |
| Noninterest-bearing deposits | 35,426,000 | 35,927,000 | 33,958,000 | 34,223,000 |
| Equity capital | 16,526,000 | 16,844,000 | 17,271,000 | 17,545,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,413,000 | 2,904,000 | 4,432,000 | 5,948,000 |
| Interest expense | 209,000 | 446,000 | 715,000 | 1,008,000 |
| Net interest income | 1,204,000 | 2,458,000 | 3,717,000 | 4,940,000 |
| Noninterest income | 132,000 | 270,000 | 410,000 | 558,000 |
| Noninterest expense | 867,000 | 1,724,000 | 2,600,000 | 3,474,000 |
| Provision for loan losses | 0 | 53,000 | 57,000 | 57,000 |
| Pretax income | 469,000 | 951,000 | 1,470,000 | 1,967,000 |
| Income tax | 98,000 | 200,000 | 314,000 | 421,000 |
| Net income | 371,000 | 751,000 | 1,156,000 | 1,546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,937,000 | 17,317,000 | 17,722,000 | 17,902,000 |
| Total capital | 17,572,000 | 18,005,000 | 18,411,000 | 18,590,000 |
| Risk-weighted assets | 112,147,000 | 112,747,000 | 107,623,000 | 107,382,000 |