Call reports 2015
CHARIS BANK — 2015
What CHARIS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 68,137,000 | 65,142,000 | 66,990,000 | 68,769,000 |
| Total loans | 45,794,000 | 45,113,000 | 46,662,000 | 48,152,000 |
| Allowance for loan losses | 778,000 | 782,000 | 782,000 | 793,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 989,000 | 990,000 | 991,000 | 992,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,605,000 | 55,244,000 | 56,743,000 | 59,606,000 |
| Interest-bearing deposits | 41,971,000 | 39,190,000 | 39,559,000 | 41,797,000 |
| Noninterest-bearing deposits | 16,634,000 | 16,054,000 | 17,184,000 | 17,809,000 |
| Equity capital | 9,172,000 | 9,450,000 | 9,744,000 | 8,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 779,000 | 1,569,000 | 2,377,000 | 3,209,000 |
| Interest expense | 13,000 | 25,000 | 36,000 | 49,000 |
| Net interest income | 766,000 | 1,544,000 | 2,341,000 | 3,160,000 |
| Noninterest income | 84,000 | 167,000 | 253,000 | 332,000 |
| Noninterest expense | 590,000 | 1,174,000 | 1,762,000 | 2,331,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 260,000 | 537,000 | 832,000 | 1,161,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 260,000 | 537,000 | 832,000 | 1,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,172,000 | 9,450,000 | 9,744,000 | 8,911,000 |
| Total capital | 9,675,000 | 9,946,000 | 10,267,000 | 9,453,000 |
| Risk-weighted assets | 40,022,000 | 39,436,000 | 41,609,000 | 43,159,000 |