Call reports 2017
CHARTER BANK — 2017
What CHARTER BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 144,888,000 | 149,936,000 | 157,222,000 | 150,543,000 |
| Total loans | 89,897,000 | 94,165,000 | 99,241,000 | 102,942,000 |
| Allowance for loan losses | 1,030,000 | 1,145,000 | 1,132,000 | 1,251,000 |
| Securities available for sale | 25,790,000 | 28,964,000 | 28,029,000 | 29,106,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,361,000 | 124,842,000 | 130,644,000 | 122,482,000 |
| Interest-bearing deposits | 91,898,000 | 99,751,000 | 96,385,000 | 97,385,000 |
| Noninterest-bearing deposits | 23,463,000 | 25,091,000 | 34,259,000 | 25,097,000 |
| Equity capital | 14,730,000 | 14,961,000 | 15,041,000 | 14,050,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,546,000 | 3,176,000 | 4,781,000 | 6,399,000 |
| Interest expense | 210,000 | 472,000 | 746,000 | 1,052,000 |
| Net interest income | 1,336,000 | 2,704,000 | 4,035,000 | 5,347,000 |
| Noninterest income | 33,000 | 126,000 | 223,000 | 34,000 |
| Noninterest expense | 1,313,000 | 2,599,000 | 3,910,000 | 5,249,000 |
| Provision for loan losses | 0 | 128,000 | 128,000 | 267,000 |
| Pretax income | 56,000 | 130,000 | 246,000 | -109,000 |
| Income tax | 29,000 | 59,000 | 108,000 | 578,000 |
| Net income | 27,000 | 71,000 | 138,000 | -687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,066,000 | 14,164,000 | 14,261,000 | 13,757,000 |
| Total capital | 15,096,000 | 15,309,000 | 15,393,000 | 15,008,000 |
| Risk-weighted assets | 92,222,000 | 100,597,000 | 99,364,000 | 109,728,000 |