Call reports 2023
CHARTER BANK — 2023
What CHARTER BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 208,285,000 | 209,012,000 | 209,609,000 | 213,992,000 |
| Total loans | 134,042,000 | 137,518,000 | 139,382,000 | 141,995,000 |
| Allowance for loan losses | 1,331,000 | 1,282,000 | 1,310,000 | 1,324,000 |
| Securities available for sale | 65,446,000 | 62,993,000 | 61,583,000 | 63,819,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,096,000 | 177,443,000 | 175,780,000 | 182,036,000 |
| Interest-bearing deposits | 123,721,000 | 119,142,000 | 120,267,000 | 124,263,000 |
| Noninterest-bearing deposits | 57,375,000 | 58,301,000 | 55,513,000 | 57,773,000 |
| Equity capital | 18,287,000 | 18,123,000 | 17,122,000 | 19,692,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,847,000 | 3,809,000 | 5,880,000 | 8,022,000 |
| Interest expense | 458,000 | 1,059,000 | 1,780,000 | 2,596,000 |
| Net interest income | 1,389,000 | 2,750,000 | 4,100,000 | 5,426,000 |
| Noninterest income | 176,000 | 363,000 | 560,000 | 757,000 |
| Noninterest expense | 964,000 | 1,913,000 | 2,937,000 | 3,894,000 |
| Provision for loan losses | 78,000 | 28,000 | 56,000 | 70,000 |
| Pretax income | 523,000 | 1,172,000 | 1,667,000 | 2,219,000 |
| Income tax | 28,000 | 57,000 | 81,000 | 106,000 |
| Net income | 495,000 | 1,115,000 | 1,586,000 | 2,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,921,000 | 23,256,000 | 23,443,000 | 23,684,000 |
| Total capital | 24,252,000 | 24,538,000 | 24,753,000 | 25,008,000 |
| Risk-weighted assets | 138,488,000 | 137,977,000 | 142,482,000 | 143,362,000 |