Call reports 2021
CHARTER BANK — 2021
What CHARTER BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 205,207,000 | 208,199,000 | 211,807,000 | 216,019,000 |
| Total loans | 108,270,000 | 106,453,000 | 107,453,000 | 106,423,000 |
| Allowance for loan losses | 996,000 | 997,000 | 997,000 | 1,030,000 |
| Securities available for sale | 64,734,000 | 60,100,000 | 58,358,000 | 61,766,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,811,000 | 186,429,000 | 189,864,000 | 194,213,000 |
| Interest-bearing deposits | 129,210,000 | 127,556,000 | 133,367,000 | 132,991,000 |
| Noninterest-bearing deposits | 54,601,000 | 58,873,000 | 56,497,000 | 61,222,000 |
| Equity capital | 20,635,000 | 21,414,000 | 21,653,000 | 21,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,322,000 | 2,625,000 | 3,959,000 | 5,305,000 |
| Interest expense | 205,000 | 368,000 | 498,000 | 603,000 |
| Net interest income | 1,117,000 | 2,257,000 | 3,461,000 | 4,702,000 |
| Noninterest income | 370,000 | 1,361,000 | 1,619,000 | 1,864,000 |
| Noninterest expense | 847,000 | 1,748,000 | 2,642,000 | 3,541,000 |
| Provision for loan losses | 0 | 0 | 0 | 33,000 |
| Pretax income | 640,000 | 1,870,000 | 2,438,000 | 2,992,000 |
| Income tax | 32,000 | 94,000 | 123,000 | 161,000 |
| Net income | 608,000 | 1,776,000 | 2,315,000 | 2,831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,412,000 | 21,045,000 | 21,272,000 | 21,385,000 |
| Total capital | 21,408,000 | 22,042,000 | 22,269,000 | 22,415,000 |
| Risk-weighted assets | 110,047,000 | 108,823,000 | 112,154,000 | 116,193,000 |