Call reports 2019
CHARIS BANK — 2019
What CHARIS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 97,002,000 | 91,808,000 | 93,550,000 | 111,339,000 |
| Total loans | 52,727,000 | 49,836,000 | 44,383,000 | 51,694,000 |
| Allowance for loan losses | 157,000 | 157,000 | 244,000 | 379,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,721,000 | 67,570,000 | 69,447,000 | 77,089,000 |
| Interest-bearing deposits | 45,617,000 | 44,609,000 | 45,332,000 | 43,220,000 |
| Noninterest-bearing deposits | 27,104,000 | 22,961,000 | 24,115,000 | 33,869,000 |
| Equity capital | 24,093,000 | 24,020,000 | 23,920,000 | 33,670,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,067,000 | 2,173,000 | 3,525,000 | 4,405,000 |
| Interest expense | 54,000 | 112,000 | 187,000 | 265,000 |
| Net interest income | 1,013,000 | 2,061,000 | 3,338,000 | 4,140,000 |
| Noninterest income | 56,000 | 112,000 | 270,000 | 388,000 |
| Noninterest expense | 1,143,000 | 2,331,000 | 3,817,000 | 5,351,000 |
| Provision for loan losses | 0 | 0 | 87,000 | 221,000 |
| Pretax income | -74,000 | -158,000 | -296,000 | -1,044,000 |
| Income tax | -13,000 | -24,000 | -61,000 | -61,000 |
| Net income | -61,000 | -134,000 | -235,000 | -983,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,564,000 | 18,206,000 | 18,537,000 | 28,358,000 |
| Total capital | 18,721,000 | 18,363,000 | 18,781,000 | 28,737,000 |
| Risk-weighted assets | 53,264,000 | 49,851,000 | 49,227,000 | 56,068,000 |