Call reports 2014
CHARIS BANK — 2014
What CHARIS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 68,946,000 | 69,701,000 | 73,193,000 | 69,638,000 |
| Total loans | 46,968,000 | 47,288,000 | 44,906,000 | 43,752,000 |
| Allowance for loan losses | 759,000 | 763,000 | 767,000 | 774,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 984,000 | 986,000 | 987,000 | 988,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,712,000 | 60,048,000 | 62,908,000 | 60,602,000 |
| Interest-bearing deposits | 43,099,000 | 42,676,000 | 44,729,000 | 42,190,000 |
| Noninterest-bearing deposits | 16,613,000 | 17,372,000 | 18,179,000 | 18,412,000 |
| Equity capital | 8,981,000 | 9,288,000 | 9,763,000 | 8,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 831,000 | 1,673,000 | 2,486,000 | 3,276,000 |
| Interest expense | 13,000 | 27,000 | 39,000 | 52,000 |
| Net interest income | 818,000 | 1,646,000 | 2,447,000 | 3,224,000 |
| Noninterest income | 89,000 | 177,000 | 566,000 | 649,000 |
| Noninterest expense | 578,000 | 1,188,000 | 1,903,000 | 2,452,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 329,000 | 635,000 | 1,110,000 | 1,421,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 329,000 | 635,000 | 1,110,000 | 1,421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,981,000 | 9,288,000 | 9,763,000 | 8,912,000 |
| Total capital | 9,490,000 | 9,791,000 | 10,243,000 | 9,392,000 |
| Risk-weighted assets | 40,570,000 | 40,096,000 | 38,165,000 | 38,113,000 |