Call reports 2015
CHARTER BANK — 2015
What CHARTER BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 116,536,000 | 118,423,000 | 123,501,000 | 123,444,000 |
| Total loans | 79,878,000 | 79,876,000 | 84,072,000 | 84,117,000 |
| Allowance for loan losses | 1,114,000 | 1,087,000 | 1,110,000 | 1,120,000 |
| Securities available for sale | 22,237,000 | 24,691,000 | 25,124,000 | 22,639,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,774,000 | 103,835,000 | 98,361,000 | 96,116,000 |
| Interest-bearing deposits | 85,582,000 | 86,596,000 | 82,521,000 | 77,908,000 |
| Noninterest-bearing deposits | 16,192,000 | 17,239,000 | 15,840,000 | 18,208,000 |
| Equity capital | 14,454,000 | 14,202,000 | 14,411,000 | 14,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,322,000 | 2,706,000 | 4,104,000 | 5,576,000 |
| Interest expense | 149,000 | 301,000 | 441,000 | 575,000 |
| Net interest income | 1,173,000 | 2,405,000 | 3,663,000 | 5,001,000 |
| Noninterest income | 81,000 | 168,000 | 277,000 | 301,000 |
| Noninterest expense | 1,175,000 | 2,360,000 | 3,539,000 | 4,752,000 |
| Provision for loan losses | 0 | 177,000 | 178,000 | 278,000 |
| Pretax income | 81,000 | 38,000 | 225,000 | 276,000 |
| Income tax | 35,000 | 26,000 | 104,000 | 116,000 |
| Net income | 46,000 | 12,000 | 121,000 | 160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,481,000 | 13,474,000 | 13,652,000 | 13,818,000 |
| Total capital | 14,507,000 | 14,522,000 | 14,743,000 | 14,903,000 |
| Risk-weighted assets | 81,309,000 | 83,156,000 | 86,627,000 | 86,214,000 |