Call reports 2005
CHARTER WEST BANK — 2005
What CHARTER WEST BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 110,981,000 | 114,999,000 | 124,641,000 | 134,161,000 |
| Total loans | 81,807,000 | 81,391,000 | 92,070,000 | 99,312,000 |
| Allowance for loan losses | 878,000 | 886,000 | 904,000 | 909,000 |
| Securities available for sale | 15,646,000 | 14,864,000 | 14,333,000 | 14,022,000 |
| Securities held to maturity | 2,508,000 | 3,951,000 | 4,166,000 | 4,391,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,095,000 | 99,142,000 | 107,712,000 | 116,107,000 |
| Interest-bearing deposits | 84,175,000 | 87,507,000 | 95,132,000 | 100,916,000 |
| Noninterest-bearing deposits | 10,920,000 | 11,635,000 | 12,580,000 | 15,191,000 |
| Equity capital | 8,679,000 | 9,036,000 | 9,770,000 | 10,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,514,000 | 3,133,000 | 4,897,000 | 6,836,000 |
| Interest expense | 535,000 | 1,136,000 | 1,838,000 | 2,626,000 |
| Net interest income | 979,000 | 1,997,000 | 3,059,000 | 4,210,000 |
| Noninterest income | 206,000 | 466,000 | 894,000 | 1,337,000 |
| Noninterest expense | 849,000 | 1,823,000 | 2,963,000 | 4,111,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 129,000 |
| Pretax income | 306,000 | 580,000 | 900,000 | 1,307,000 |
| Income tax | 10,000 | 19,000 | 29,000 | 45,000 |
| Net income | 296,000 | 561,000 | 871,000 | 1,262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,286,000 | 8,551,000 | 9,366,000 | 10,457,000 |
| Total capital | 9,164,000 | 9,437,000 | 10,270,000 | 11,366,000 |
| Risk-weighted assets | 90,041,000 | 90,445,000 | 102,127,000 | 108,354,000 |