Call reports 2022
CHARTER BANK — 2022
What CHARTER BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 220,458,000 | 216,147,000 | 206,648,000 | 206,408,000 |
| Total loans | 109,183,000 | 120,075,000 | 125,440,000 | 133,309,000 |
| Allowance for loan losses | 1,059,000 | 1,092,000 | 1,195,000 | 1,253,000 |
| Securities available for sale | 69,875,000 | 67,277,000 | 64,753,000 | 64,554,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,753,000 | 198,563,000 | 190,748,000 | 179,946,000 |
| Interest-bearing deposits | 140,297,000 | 136,248,000 | 129,914,000 | 122,122,000 |
| Noninterest-bearing deposits | 61,456,000 | 62,315,000 | 60,834,000 | 57,824,000 |
| Equity capital | 18,394,000 | 17,297,000 | 15,576,000 | 17,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,380,000 | 2,838,000 | 4,539,000 | 6,290,000 |
| Interest expense | 86,000 | 170,000 | 296,000 | 547,000 |
| Net interest income | 1,294,000 | 2,668,000 | 4,243,000 | 5,743,000 |
| Noninterest income | 208,000 | 447,000 | 593,000 | 775,000 |
| Noninterest expense | 870,000 | 1,763,000 | 2,675,000 | 3,566,000 |
| Provision for loan losses | 29,000 | 62,000 | 166,000 | 224,000 |
| Pretax income | 603,000 | 1,290,000 | 1,995,000 | 2,728,000 |
| Income tax | 33,000 | 69,000 | 110,000 | 147,000 |
| Net income | 570,000 | 1,221,000 | 1,885,000 | 2,581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,715,000 | 22,125,000 | 22,480,000 | 22,711,000 |
| Total capital | 22,774,000 | 23,217,000 | 23,675,000 | 23,964,000 |
| Risk-weighted assets | 117,751,000 | 127,349,000 | 133,467,000 | 137,743,000 |