Call reports 2006
CHARTER WEST BANK — 2006
What CHARTER WEST BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 135,300,000 | 139,819,000 | 149,490,000 | 158,958,000 |
| Total loans | 104,227,000 | 108,575,000 | 112,637,000 | 123,932,000 |
| Allowance for loan losses | 980,000 | 1,010,000 | 1,105,000 | 1,136,000 |
| Securities available for sale | 13,699,000 | 13,220,000 | 14,233,000 | 15,246,000 |
| Securities held to maturity | 5,757,000 | 5,847,000 | 6,345,000 | 6,564,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,741,000 | 122,256,000 | 132,753,000 | 139,325,000 |
| Interest-bearing deposits | 103,522,000 | 110,550,000 | 119,361,000 | 126,496,000 |
| Noninterest-bearing deposits | 12,219,000 | 11,706,000 | 13,392,000 | 12,829,000 |
| Equity capital | 10,979,000 | 11,469,000 | 11,905,000 | 12,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,120,000 | 4,422,000 | 7,152,000 | 9,909,000 |
| Interest expense | 874,000 | 1,875,000 | 3,012,000 | 4,359,000 |
| Net interest income | 1,246,000 | 2,547,000 | 4,140,000 | 5,550,000 |
| Noninterest income | 395,000 | 875,000 | 1,220,000 | 1,705,000 |
| Noninterest expense | 1,132,000 | 2,263,000 | 3,527,000 | 4,905,000 |
| Provision for loan losses | 50,000 | 138,000 | 243,000 | 399,000 |
| Pretax income | 443,000 | 1,005,000 | 1,574,000 | 1,924,000 |
| Income tax | 16,000 | 28,000 | 40,000 | 62,000 |
| Net income | 427,000 | 977,000 | 1,534,000 | 1,862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,649,000 | 11,204,000 | 11,451,000 | 12,239,000 |
| Total capital | 11,629,000 | 12,214,000 | 12,556,000 | 13,377,000 |
| Risk-weighted assets | 112,344,000 | 116,062,000 | 122,963,000 | 133,417,000 |