Call reports 2013
CHARIS BANK — 2013
What CHARIS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 69,381,000 | 68,440,000 | 69,150,000 | 68,029,000 |
| Total loans | 50,416,000 | 49,066,000 | 48,452,000 | 48,046,000 |
| Allowance for loan losses | 841,000 | 845,000 | 851,000 | 754,000 |
| Securities available for sale | 1,018,000 | 1,013,000 | 1,007,000 | 1,001,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,540,000 | 59,061,000 | 59,426,000 | 59,249,000 |
| Interest-bearing deposits | 44,341,000 | 43,378,000 | 43,433,000 | 43,055,000 |
| Noninterest-bearing deposits | 16,199,000 | 15,683,000 | 15,993,000 | 16,194,000 |
| Equity capital | 8,749,000 | 9,258,000 | 9,403,000 | 8,653,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 867,000 | 1,742,000 | 2,605,000 | 3,611,000 |
| Interest expense | 17,000 | 33,000 | 48,000 | 61,000 |
| Net interest income | 850,000 | 1,709,000 | 2,557,000 | 3,550,000 |
| Noninterest income | 97,000 | 189,000 | 281,000 | 509,000 |
| Noninterest expense | 541,000 | 980,000 | 1,773,000 | 2,621,000 |
| Provision for loan losses | 17,000 | 17,000 | 17,000 | -83,000 |
| Pretax income | 389,000 | 901,000 | 1,048,000 | 1,521,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 389,000 | 901,000 | 1,048,000 | 1,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,740,000 | 9,252,000 | 9,399,000 | 8,652,000 |
| Total capital | 9,271,000 | 9,776,000 | 9,915,000 | 9,171,000 |
| Risk-weighted assets | 42,137,000 | 41,739,000 | 41,141,000 | 41,562,000 |