Call reports 2001
CHARTER WEST BANK — 2001
What CHARTER WEST BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 84,761,000 | 86,358,000 | 87,357,000 | 90,212,000 |
| Total loans | 56,366,000 | 58,841,000 | 59,964,000 | 58,823,000 |
| Allowance for loan losses | 708,000 | 696,000 | 695,000 | 703,000 |
| Securities available for sale | 15,562,000 | 15,922,000 | 16,981,000 | 17,003,000 |
| Securities held to maturity | 1,447,000 | 1,441,000 | 1,346,000 | 1,218,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,406,000 | 72,447,000 | 72,804,000 | 74,793,000 |
| Interest-bearing deposits | 61,180,000 | 62,313,000 | 62,669,000 | 65,143,000 |
| Noninterest-bearing deposits | 10,226,000 | 10,134,000 | 10,135,000 | 9,650,000 |
| Equity capital | 7,464,000 | 7,613,000 | 8,074,000 | 8,045,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,648,000 | 3,282,000 | 4,912,000 | 6,444,000 |
| Interest expense | 846,000 | 1,658,000 | 2,399,000 | 3,080,000 |
| Net interest income | 802,000 | 1,624,000 | 2,513,000 | 3,364,000 |
| Noninterest income | 197,000 | 375,000 | 606,000 | 879,000 |
| Noninterest expense | 684,000 | 1,307,000 | 1,940,000 | 2,714,000 |
| Provision for loan losses | 6,000 | 6,000 | 6,000 | 18,000 |
| Pretax income | 309,000 | 684,000 | 1,173,000 | 1,511,000 |
| Income tax | 13,000 | 19,000 | 25,000 | 35,000 |
| Net income | 296,000 | 665,000 | 1,148,000 | 1,476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,337,000 | 6,473,000 | 6,722,000 | 6,814,000 |
| Total capital | 7,045,000 | 7,169,000 | 7,417,000 | 7,517,000 |
| Risk-weighted assets | 60,559,000 | 61,943,000 | 62,917,000 | 62,586,000 |