Call reports 2013
CHARTER BANK — 2013
What CHARTER BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 107,542,000 | 111,983,000 | 112,316,000 | 115,267,000 |
| Total loans | 72,314,000 | 75,332,000 | 75,752,000 | 79,140,000 |
| Allowance for loan losses | 1,048,000 | 1,019,000 | 980,000 | 1,019,000 |
| Securities available for sale | 23,059,000 | 23,863,000 | 24,149,000 | 23,720,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,161,000 | 96,777,000 | 97,372,000 | 99,390,000 |
| Interest-bearing deposits | 80,270,000 | 83,984,000 | 85,107,000 | 84,152,000 |
| Noninterest-bearing deposits | 12,891,000 | 12,793,000 | 12,265,000 | 15,238,000 |
| Equity capital | 14,114,000 | 13,562,000 | 13,355,000 | 13,469,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,138,000 | 2,369,000 | 3,628,000 | 4,932,000 |
| Interest expense | 143,000 | 286,000 | 432,000 | 576,000 |
| Net interest income | 995,000 | 2,083,000 | 3,196,000 | 4,356,000 |
| Noninterest income | 144,000 | 316,000 | 524,000 | 754,000 |
| Noninterest expense | 1,005,000 | 2,177,000 | 3,235,000 | 4,375,000 |
| Provision for loan losses | 35,000 | 10,000 | 28,000 | 78,000 |
| Pretax income | 112,000 | 228,000 | 473,000 | 673,000 |
| Income tax | 47,000 | 113,000 | 191,000 | 256,000 |
| Net income | 65,000 | 115,000 | 282,000 | 417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,573,000 | 12,731,000 | 13,005,000 | 13,239,000 |
| Total capital | 13,611,000 | 13,750,000 | 13,985,000 | 14,258,000 |
| Risk-weighted assets | 83,060,000 | 87,834,000 | 88,674,000 | 92,360,000 |