Call reports 2019
CHARTER BANK — 2019
What CHARTER BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 |
|---|---|---|---|
| Total assets | 160,540,000 | 154,549,000 | 148,639,000 |
| Total loans | 109,657,000 | 104,905,000 | 104,127,000 |
| Allowance for loan losses | 1,035,000 | 1,005,000 | 0 |
| Securities available for sale | 25,217,000 | 28,627,000 | 26,923,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 134,052,000 | 128,142,000 | 126,047,000 |
| Interest-bearing deposits | 106,137,000 | 98,322,000 | 101,276,000 |
| Noninterest-bearing deposits | 27,915,000 | 29,820,000 | 24,771,000 |
| Equity capital | 14,336,000 | 14,782,000 | 11,384,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 |
|---|---|---|---|
| Interest income | 1,709,000 | 3,527,000 | 5,311,000 |
| Interest expense | 412,000 | 866,000 | 1,366,000 |
| Net interest income | 1,297,000 | 2,661,000 | 3,945,000 |
| Noninterest income | 101,000 | 202,000 | -1,177,000 |
| Noninterest expense | 1,263,000 | 2,568,000 | 6,010,000 |
| Provision for loan losses | 0 | 5,000 | 912,000 |
| Pretax income | 135,000 | 302,000 | -4,142,000 |
| Income tax | 34,000 | 95,000 | -932,000 |
| Net income | 101,000 | 207,000 | -3,210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 |
|---|---|---|---|
| Tier 1 capital | 14,247,000 | 14,376,000 | 10,312,000 |
| Total capital | 15,282,000 | 15,381,000 | 10,312,000 |
| Risk-weighted assets | 112,101,000 | 107,835,000 | 107,173,000 |