Call reports 2016
CHARLES SCHWAB BANK, SSB — 2016
What CHARLES SCHWAB BANK, SSB reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 147,039,000,000 | 153,862,000,000 | 165,183,000,000 | 175,715,000,000 |
| Total loans | 14,448,000,000 | 14,684,000,000 | 14,877,000,000 | 15,436,000,000 |
| Allowance for loan losses | 32,000,000 | 30,000,000 | 25,000,000 | 25,000,000 |
| Securities available for sale | 68,856,000,000 | 71,463,000,000 | 72,912,000,000 | 74,726,000,000 |
| Securities held to maturity | 52,972,000,000 | 55,651,000,000 | 66,792,000,000 | 74,980,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,753,000,000 | 137,350,000,000 | 149,689,000,000 | 163,563,000,000 |
| Interest-bearing deposits | 135,130,000,000 | 136,804,000,000 | 149,100,000,000 | 162,877,000,000 |
| Noninterest-bearing deposits | 623,000,000 | 546,000,000 | 589,000,000 | 686,000,000 |
| Equity capital | 9,908,000,000 | 10,546,000,000 | 11,175,000,000 | 11,726,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 627,000,000 | 1,280,000,000 | 1,968,000,000 | 2,728,000,000 |
| Interest expense | 8,000,000 | 19,000,000 | 32,000,000 | 46,000,000 |
| Net interest income | 619,000,000 | 1,261,000,000 | 1,936,000,000 | 2,682,000,000 |
| Noninterest income | 29,000,000 | 61,000,000 | 105,000,000 | 136,000,000 |
| Noninterest expense | 110,000,000 | 226,000,000 | 352,000,000 | 480,000,000 |
| Provision for loan losses | 2,000,000 | 0 | -5,000,000 | -6,000,000 |
| Pretax income | 536,000,000 | 1,099,000,000 | 1,697,000,000 | 2,348,000,000 |
| Income tax | 199,000,000 | 408,000,000 | 629,000,000 | 863,000,000 |
| Net income | 337,000,000 | 691,000,000 | 1,068,000,000 | 1,485,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,026,000,000 | 10,564,000,000 | 11,142,000,000 | 11,878,000,000 |
| Total capital | 10,059,000,000 | 10,595,000,000 | 11,168,000,000 | 11,904,000,000 |
| Risk-weighted assets | 53,808,700,000 | 55,963,300,000 | 59,122,000,000 | 59,915,250,000 |