Call reports 2023
CHARIS BANK — 2023
What CHARIS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 |
|---|---|
| Total assets | 252,346,000 |
| Total loans | 147,965,000 |
| Allowance for loan losses | 1,608,000 |
| Securities available for sale | 0 |
| Securities held to maturity | 1,700,000 |
| Trading assets | 0 |
| Total deposits | 216,352,000 |
| Interest-bearing deposits | 173,075,000 |
| Noninterest-bearing deposits | 43,277,000 |
| Equity capital | 33,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 |
|---|---|
| Interest income | 3,465,000 |
| Interest expense | 1,162,000 |
| Net interest income | 2,303,000 |
| Noninterest income | 80,000 |
| Noninterest expense | 3,820,000 |
| Provision for loan losses | 280,000 |
| Pretax income | -1,717,000 |
| Income tax | -148,000 |
| Net income | -1,569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 |
|---|---|
| Tier 1 capital | 28,515,000 |
| Total capital | 30,124,000 |
| Risk-weighted assets | 185,275,000 |