Call reports 2002
CHARTER WEST BANK — 2002
What CHARTER WEST BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 92,205,000 | 95,122,000 | 97,882,000 | 98,307,000 |
| Total loans | 60,921,000 | 66,709,000 | 68,308,000 | 67,336,000 |
| Allowance for loan losses | 713,000 | 812,000 | 815,000 | 758,000 |
| Securities available for sale | 17,335,000 | 18,998,000 | 18,366,000 | 18,214,000 |
| Securities held to maturity | 1,217,000 | 1,285,000 | 1,278,000 | 1,277,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,533,000 | 77,499,000 | 79,391,000 | 80,107,000 |
| Interest-bearing deposits | 67,376,000 | 68,301,000 | 70,006,000 | 71,619,000 |
| Noninterest-bearing deposits | 9,157,000 | 9,198,000 | 9,385,000 | 8,488,000 |
| Equity capital | 7,833,000 | 8,391,000 | 8,616,000 | 8,580,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,407,000 | 2,893,000 | 4,480,000 | 5,991,000 |
| Interest expense | 605,000 | 1,212,000 | 1,846,000 | 2,442,000 |
| Net interest income | 802,000 | 1,681,000 | 2,634,000 | 3,549,000 |
| Noninterest income | 193,000 | 826,000 | 968,000 | 1,106,000 |
| Noninterest expense | 681,000 | 1,420,000 | 2,047,000 | 2,740,000 |
| Provision for loan losses | 8,000 | 109,000 | 165,000 | 171,000 |
| Pretax income | 306,000 | 978,000 | 1,390,000 | 1,744,000 |
| Income tax | 13,000 | 22,000 | 30,000 | 66,000 |
| Net income | 293,000 | 956,000 | 1,360,000 | 1,678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,802,000 | 7,155,000 | 7,247,000 | 7,259,000 |
| Total capital | 7,515,000 | 7,967,000 | 8,062,000 | 8,017,000 |
| Risk-weighted assets | 65,470,000 | 71,201,000 | 73,252,000 | 72,970,000 |