Call reports 2018
CHARTER BANK — 2018
What CHARTER BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 146,622,000 | 155,327,000 | 155,628,000 | 151,857,000 |
| Total loans | 102,293,000 | 106,253,000 | 107,683,000 | 107,288,000 |
| Allowance for loan losses | 970,000 | 999,000 | 1,028,000 | 1,073,000 |
| Securities available for sale | 27,576,000 | 26,578,000 | 25,399,000 | 25,079,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,210,000 | 124,425,000 | 132,931,000 | 128,472,000 |
| Interest-bearing deposits | 97,875,000 | 98,620,000 | 107,046,000 | 103,912,000 |
| Noninterest-bearing deposits | 22,335,000 | 25,805,000 | 25,885,000 | 24,560,000 |
| Equity capital | 13,787,000 | 13,797,000 | 13,777,000 | 14,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,577,000 | 3,235,000 | 5,045,000 | 6,841,000 |
| Interest expense | 342,000 | 692,000 | 1,118,000 | 1,534,000 |
| Net interest income | 1,235,000 | 2,543,000 | 3,927,000 | 5,307,000 |
| Noninterest income | 92,000 | 195,000 | 298,000 | 414,000 |
| Noninterest expense | 1,197,000 | 2,462,000 | 3,791,000 | 5,050,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 226,000 |
| Pretax income | 130,000 | 276,000 | 429,000 | 445,000 |
| Income tax | 40,000 | 57,000 | 107,000 | 136,000 |
| Net income | 90,000 | 219,000 | 322,000 | 309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,826,000 | 13,974,000 | 14,117,000 | 14,108,000 |
| Total capital | 14,796,000 | 14,973,000 | 15,145,000 | 15,181,000 |
| Risk-weighted assets | 108,899,000 | 111,582,000 | 111,363,000 | 110,581,000 |