Call reports 2019
CHARTER BANK — 2019
What CHARTER BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 162,472,000 | 159,999,000 | 163,332,000 | 166,443,000 |
| Total loans | 102,757,000 | 100,393,000 | 95,914,000 | 93,212,000 |
| Allowance for loan losses | 647,000 | 716,000 | 716,000 | 702,000 |
| Securities available for sale | 41,455,000 | 42,020,000 | 44,463,000 | 48,270,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,124,000 | 141,003,000 | 143,956,000 | 146,862,000 |
| Interest-bearing deposits | 108,271,000 | 106,243,000 | 107,590,000 | 108,067,000 |
| Noninterest-bearing deposits | 35,853,000 | 34,760,000 | 36,366,000 | 38,795,000 |
| Equity capital | 18,001,000 | 18,531,000 | 18,836,000 | 19,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,528,000 | 3,052,000 | 4,566,000 | 6,050,000 |
| Interest expense | 317,000 | 658,000 | 1,010,000 | 1,355,000 |
| Net interest income | 1,211,000 | 2,394,000 | 3,556,000 | 4,695,000 |
| Noninterest income | 132,000 | 324,000 | 539,000 | 756,000 |
| Noninterest expense | 878,000 | 1,714,000 | 2,571,000 | 3,399,000 |
| Provision for loan losses | 0 | 69,000 | 69,000 | 69,000 |
| Pretax income | 465,000 | 936,000 | 1,456,000 | 1,984,000 |
| Income tax | 46,000 | 71,000 | 97,000 | 124,000 |
| Net income | 419,000 | 865,000 | 1,359,000 | 1,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,090,000 | 18,307,000 | 18,572,000 | 18,817,000 |
| Total capital | 18,737,000 | 19,023,000 | 19,288,000 | 19,519,000 |
| Risk-weighted assets | 110,739,000 | 108,243,000 | 101,976,000 | 100,370,000 |