Call reports 2017
CHARIS BANK — 2017
What CHARIS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 67,486,000 | 68,589,000 | 74,383,000 | 71,436,000 |
| Total loans | 51,055,000 | 53,225,000 | 50,848,000 | 52,988,000 |
| Allowance for loan losses | 816,000 | 821,000 | 825,000 | 832,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 998,000 | 999,000 | 1,000,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,336,000 | 58,388,000 | 63,699,000 | 62,592,000 |
| Interest-bearing deposits | 39,428,000 | 39,431,000 | 43,742,000 | 42,044,000 |
| Noninterest-bearing deposits | 17,908,000 | 18,957,000 | 19,957,000 | 20,548,000 |
| Equity capital | 9,849,000 | 9,824,000 | 10,270,000 | 8,458,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 874,000 | 1,733,000 | 2,674,000 | 3,597,000 |
| Interest expense | 11,000 | 22,000 | 34,000 | 46,000 |
| Net interest income | 863,000 | 1,711,000 | 2,640,000 | 3,551,000 |
| Noninterest income | 81,000 | 161,000 | 240,000 | 315,000 |
| Noninterest expense | 635,000 | 1,286,000 | 1,849,000 | 3,056,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 309,000 | 586,000 | 1,031,000 | 810,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 309,000 | 586,000 | 1,031,000 | 810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,849,000 | 9,824,000 | 10,270,000 | 8,458,000 |
| Total capital | 10,406,000 | 10,394,000 | 10,823,000 | 9,020,000 |
| Risk-weighted assets | 44,310,000 | 45,409,000 | 44,018,000 | 44,711,000 |