Call reports 2021
CHARIS BANK — 2021
What CHARIS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 201,985,000 | 203,540,000 | 237,825,000 | 269,276,000 |
| Total loans | 128,374,000 | 146,592,000 | 156,579,000 | 138,739,000 |
| Allowance for loan losses | 1,302,000 | 1,509,000 | 1,629,000 | 1,629,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,700,000 | 1,700,000 | 1,700,000 | 1,700,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,215,000 | 170,796,000 | 204,708,000 | 236,000,000 |
| Interest-bearing deposits | 83,863,000 | 84,814,000 | 157,752,000 | 184,292,000 |
| Noninterest-bearing deposits | 85,352,000 | 85,982,000 | 46,956,000 | 51,708,000 |
| Equity capital | 32,559,000 | 32,446,000 | 32,635,000 | 32,726,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,417,000 | 2,817,000 | 4,324,000 | 5,811,000 |
| Interest expense | 104,000 | 219,000 | 348,000 | 523,000 |
| Net interest income | 1,313,000 | 2,598,000 | 3,976,000 | 5,288,000 |
| Noninterest income | 430,000 | 494,000 | 725,000 | 816,000 |
| Noninterest expense | 1,273,000 | 2,528,000 | 3,828,000 | 5,140,000 |
| Provision for loan losses | 76,000 | 283,000 | 403,000 | 403,000 |
| Pretax income | 394,000 | 281,000 | 470,000 | 561,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 394,000 | 281,000 | 470,000 | 561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,603,000 | 27,561,000 | 27,752,000 | 27,914,000 |
| Total capital | 28,905,000 | 29,070,000 | 29,381,000 | 29,543,000 |
| Risk-weighted assets | 156,156,000 | 167,409,000 | 173,856,000 | 156,600,000 |