Call reports 2004
CHARTER WEST BANK — 2004
What CHARTER WEST BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 101,119,000 | 100,967,000 | 106,431,000 | 112,555,000 |
| Total loans | 70,611,000 | 71,345,000 | 77,878,000 | 81,772,000 |
| Allowance for loan losses | 863,000 | 821,000 | 817,000 | 843,000 |
| Securities available for sale | 16,674,000 | 16,584,000 | 16,598,000 | 16,115,000 |
| Securities held to maturity | 2,154,000 | 2,147,000 | 2,041,000 | 2,035,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,107,000 | 84,101,000 | 86,876,000 | 96,980,000 |
| Interest-bearing deposits | 72,667,000 | 73,081,000 | 76,836,000 | 85,845,000 |
| Noninterest-bearing deposits | 11,440,000 | 11,019,000 | 10,040,000 | 11,135,000 |
| Equity capital | 8,426,000 | 8,137,000 | 8,322,000 | 8,445,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,329,000 | 2,656,000 | 4,060,000 | 5,549,000 |
| Interest expense | 429,000 | 844,000 | 1,291,000 | 1,811,000 |
| Net interest income | 900,000 | 1,812,000 | 2,769,000 | 3,738,000 |
| Noninterest income | 182,000 | 371,000 | 591,000 | 809,000 |
| Noninterest expense | 787,000 | 1,526,000 | 2,250,000 | 3,141,000 |
| Provision for loan losses | 10,000 | 19,000 | 20,000 | 65,000 |
| Pretax income | 285,000 | 640,000 | 1,092,000 | 1,343,000 |
| Income tax | 7,000 | 17,000 | 26,000 | 42,000 |
| Net income | 278,000 | 623,000 | 1,066,000 | 1,301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,508,000 | 7,532,000 | 7,656,000 | 7,890,000 |
| Total capital | 8,371,000 | 8,353,000 | 8,473,000 | 8,733,000 |
| Risk-weighted assets | 75,459,000 | 75,220,000 | 82,741,000 | 88,736,000 |