Call reports 2015
CHARLES SCHWAB BANK, SSB — 2015
What CHARLES SCHWAB BANK, SSB reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 118,599,000,000 | 122,410,000,000 | 128,662,000,000 | 139,069,000,000 |
| Total loans | 13,687,000,000 | 14,074,000,000 | 14,302,000,000 | 14,389,000,000 |
| Allowance for loan losses | 37,000,000 | 35,000,000 | 30,000,000 | 30,000,000 |
| Securities available for sale | 59,004,000,000 | 60,915,000,000 | 63,778,000,000 | 63,394,000,000 |
| Securities held to maturity | 36,099,000,000 | 37,916,000,000 | 40,696,000,000 | 50,145,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,563,000,000 | 113,077,000,000 | 119,118,000,000 | 129,564,000,000 |
| Interest-bearing deposits | 108,880,000,000 | 112,479,000,000 | 118,658,000,000 | 128,907,000,000 |
| Noninterest-bearing deposits | 683,000,000 | 598,000,000 | 460,000,000 | 657,000,000 |
| Equity capital | 8,346,000,000 | 8,549,000,000 | 8,857,000,000 | 9,191,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 455,000,000 | 931,000,000 | 1,425,000,000 | 1,969,000,000 |
| Interest expense | 8,000,000 | 15,000,000 | 22,000,000 | 29,000,000 |
| Net interest income | 447,000,000 | 916,000,000 | 1,403,000,000 | 1,940,000,000 |
| Noninterest income | 33,000,000 | 83,000,000 | 121,000,000 | 210,000,000 |
| Noninterest expense | 101,000,000 | 205,000,000 | 308,000,000 | 416,000,000 |
| Provision for loan losses | -4,000,000 | -7,000,000 | -12,000,000 | -12,000,000 |
| Pretax income | 383,000,000 | 801,000,000 | 1,228,000,000 | 1,746,000,000 |
| Income tax | 144,000,000 | 302,000,000 | 464,000,000 | 649,000,000 |
| Net income | 239,000,000 | 499,000,000 | 764,000,000 | 1,097,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,099,000,000 | 8,365,000,000 | 8,830,000,000 | 9,314,000,000 |
| Total capital | 8,138,000,000 | 8,401,000,000 | 8,861,000,000 | 9,345,000,000 |
| Risk-weighted assets | 45,216,100,000 | 47,238,700,000 | 49,847,050,000 | 51,516,050,000 |