Call reports 2016
CHARIS BANK — 2016
What CHARIS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 66,102,000 | 65,337,000 | 67,130,000 | 69,230,000 |
| Total loans | 46,993,000 | 50,038,000 | 48,700,000 | 49,231,000 |
| Allowance for loan losses | 798,000 | 801,000 | 806,000 | 811,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 993,000 | 994,000 | 995,000 | 997,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,532,000 | 55,249,000 | 56,740,000 | 59,490,000 |
| Interest-bearing deposits | 40,176,000 | 38,618,000 | 39,141,000 | 41,219,000 |
| Noninterest-bearing deposits | 16,356,000 | 16,631,000 | 17,599,000 | 18,271,000 |
| Equity capital | 9,281,000 | 9,636,000 | 9,890,000 | 9,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 823,000 | 1,664,000 | 2,490,000 | 3,329,000 |
| Interest expense | 12,000 | 22,000 | 33,000 | 45,000 |
| Net interest income | 811,000 | 1,642,000 | 2,457,000 | 3,284,000 |
| Noninterest income | 77,000 | 219,000 | 296,000 | 380,000 |
| Noninterest expense | 518,000 | 1,136,000 | 1,774,000 | 2,411,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 370,000 | 725,000 | 979,000 | 1,253,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 370,000 | 725,000 | 979,000 | 1,253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,281,000 | 9,636,000 | 9,890,000 | 9,540,000 |
| Total capital | 9,807,000 | 10,187,000 | 10,410,000 | 10,068,000 |
| Risk-weighted assets | 41,863,000 | 43,903,000 | 41,324,000 | 42,023,000 |