Call reports 2025
CHARTER BANK — 2025
What CHARTER BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 212,715,000 | 214,909,000 | 214,052,000 | 222,667,000 |
| Total loans | 149,348,000 | 154,102,000 | 155,098,000 | 158,485,000 |
| Allowance for loan losses | 1,424,000 | 1,482,000 | 1,533,000 | 1,551,000 |
| Securities available for sale | 48,612,000 | 47,459,000 | 50,074,000 | 53,092,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,957,000 | 188,115,000 | 186,110,000 | 199,681,000 |
| Interest-bearing deposits | 131,347,000 | 130,930,000 | 133,300,000 | 143,232,000 |
| Noninterest-bearing deposits | 55,610,000 | 57,185,000 | 52,810,000 | 56,449,000 |
| Equity capital | 20,260,000 | 21,246,000 | 22,379,000 | 22,249,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,432,000 | 5,022,000 | 7,660,000 | 10,357,000 |
| Interest expense | 856,000 | 1,688,000 | 2,527,000 | 3,402,000 |
| Net interest income | 1,576,000 | 3,334,000 | 5,133,000 | 6,955,000 |
| Noninterest income | 162,000 | 341,000 | 546,000 | 727,000 |
| Noninterest expense | 1,053,000 | 2,091,000 | 3,152,000 | 4,219,000 |
| Provision for loan losses | 61,000 | 118,000 | 169,000 | 187,000 |
| Pretax income | 624,000 | 1,466,000 | 2,358,000 | 3,276,000 |
| Income tax | 28,000 | 65,000 | 104,000 | 135,000 |
| Net income | 596,000 | 1,401,000 | 2,254,000 | 3,141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,451,000 | 23,906,000 | 24,406,000 | 24,031,000 |