Call reports 2016
CHARTER BANK — 2016
What CHARTER BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 125,535,000 | 126,551,000 | 124,212,000 | 129,004,000 |
| Total loans | 85,141,000 | 87,830,000 | 89,678,000 | 91,804,000 |
| Allowance for loan losses | 1,100,000 | 1,139,000 | 1,080,000 | 1,082,000 |
| Securities available for sale | 19,991,000 | 18,241,000 | 16,294,000 | 15,031,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,078,000 | 101,881,000 | 99,191,000 | 99,576,000 |
| Interest-bearing deposits | 83,365,000 | 82,167,000 | 79,432,000 | 79,787,000 |
| Noninterest-bearing deposits | 17,713,000 | 19,714,000 | 19,759,000 | 19,789,000 |
| Equity capital | 14,695,000 | 14,893,000 | 15,020,000 | 14,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,443,000 | 2,864,000 | 4,329,000 | 5,774,000 |
| Interest expense | 137,000 | 277,000 | 435,000 | 601,000 |
| Net interest income | 1,306,000 | 2,587,000 | 3,894,000 | 5,173,000 |
| Noninterest income | -17,000 | 58,000 | 267,000 | 336,000 |
| Noninterest expense | 1,192,000 | 2,507,000 | 3,803,000 | 5,104,000 |
| Provision for loan losses | 61,000 | 61,000 | 86,000 | 86,000 |
| Pretax income | 37,000 | 75,000 | 290,000 | 339,000 |
| Income tax | 22,000 | 48,000 | 142,000 | 170,000 |
| Net income | 15,000 | 27,000 | 148,000 | 169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,859,000 | 13,913,000 | 14,047,000 | 14,007,000 |
| Total capital | 14,941,000 | 15,005,000 | 15,127,000 | 15,089,000 |
| Risk-weighted assets | 86,132,000 | 86,977,000 | 87,309,000 | 89,264,000 |