Call reports 2003
CHARTER WEST BANK — 2003
What CHARTER WEST BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 97,374,000 | 100,253,000 | 100,575,000 | 104,165,000 |
| Total loans | 69,105,000 | 69,007,000 | 70,894,000 | 71,471,000 |
| Allowance for loan losses | 792,000 | 802,000 | 830,000 | 856,000 |
| Securities available for sale | 17,647,000 | 17,319,000 | 16,671,000 | 15,578,000 |
| Securities held to maturity | 1,318,000 | 1,089,000 | 1,085,000 | 1,084,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,000,000 | 81,968,000 | 82,907,000 | 86,525,000 |
| Interest-bearing deposits | 71,953,000 | 72,950,000 | 73,327,000 | 73,626,000 |
| Noninterest-bearing deposits | 9,048,000 | 9,018,000 | 9,580,000 | 12,899,000 |
| Equity capital | 8,520,000 | 8,641,000 | 8,523,000 | 8,437,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,450,000 | 2,894,000 | 4,278,000 | 5,642,000 |
| Interest expense | 552,000 | 1,069,000 | 1,561,000 | 2,023,000 |
| Net interest income | 898,000 | 1,825,000 | 2,717,000 | 3,619,000 |
| Noninterest income | 169,000 | 364,000 | 550,000 | 723,000 |
| Noninterest expense | 667,000 | 1,331,000 | 1,991,000 | 2,658,000 |
| Provision for loan losses | 32,000 | 44,000 | 71,000 | 98,000 |
| Pretax income | 408,000 | 854,000 | 1,245,000 | 1,617,000 |
| Income tax | 4,000 | 10,000 | 15,000 | 37,000 |
| Net income | 404,000 | 844,000 | 1,230,000 | 1,580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,356,000 | 7,490,000 | 7,559,000 | 7,549,000 |
| Total capital | 8,148,000 | 8,292,000 | 8,389,000 | 8,405,000 |
| Risk-weighted assets | 73,007,000 | 72,963,000 | 74,368,000 | 76,311,000 |