Call reports 2014
CHARTER BANK — 2014
What CHARTER BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 116,000,000 | 111,499,000 | 113,777,000 | 113,856,000 |
| Total loans | 78,992,000 | 76,470,000 | 77,761,000 | 80,044,000 |
| Allowance for loan losses | 1,052,000 | 1,209,000 | 1,186,000 | 1,111,000 |
| Securities available for sale | 23,761,000 | 23,265,000 | 22,742,000 | 20,893,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,854,000 | 96,882,000 | 97,881,000 | 98,986,000 |
| Interest-bearing deposits | 86,634,000 | 82,245,000 | 83,738,000 | 84,684,000 |
| Noninterest-bearing deposits | 15,220,000 | 14,637,000 | 14,143,000 | 14,302,000 |
| Equity capital | 13,813,000 | 14,060,000 | 14,188,000 | 14,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,236,000 | 2,481,000 | 3,706,000 | 4,986,000 |
| Interest expense | 142,000 | 279,000 | 425,000 | 574,000 |
| Net interest income | 1,094,000 | 2,202,000 | 3,281,000 | 4,412,000 |
| Noninterest income | 164,000 | 319,000 | 506,000 | 621,000 |
| Noninterest expense | 1,054,000 | 2,166,000 | 3,281,000 | 4,420,000 |
| Provision for loan losses | 30,000 | 282,000 | 423,000 | 535,000 |
| Pretax income | 174,000 | 72,000 | 71,000 | 66,000 |
| Income tax | 83,000 | 42,000 | 44,000 | 59,000 |
| Net income | 91,000 | 30,000 | 27,000 | 7,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,363,000 | 13,269,000 | 13,299,000 | 13,128,000 |
| Total capital | 14,415,000 | 14,373,000 | 14,414,000 | 14,239,000 |
| Risk-weighted assets | 91,600,000 | 88,228,000 | 89,136,000 | 89,288,000 |