Call reports 2007
CHARTER WEST BANK — 2007
What CHARTER WEST BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 162,098,000 | 159,631,000 | 175,622,000 | 169,752,000 |
| Total loans | 123,693,000 | 123,884,000 | 127,838,000 | 130,676,000 |
| Allowance for loan losses | 1,202,000 | 1,091,000 | 885,000 | 990,000 |
| Securities available for sale | 16,223,000 | 16,237,000 | 16,372,000 | 16,456,000 |
| Securities held to maturity | 7,674,000 | 7,765,000 | 8,217,000 | 9,206,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,871,000 | 141,452,000 | 156,982,000 | 144,447,000 |
| Interest-bearing deposits | 132,504,000 | 129,142,000 | 144,135,000 | 130,209,000 |
| Noninterest-bearing deposits | 12,367,000 | 12,310,000 | 12,847,000 | 14,238,000 |
| Equity capital | 13,283,000 | 13,330,000 | 14,409,000 | 14,125,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,841,000 | 5,839,000 | 8,816,000 | 11,914,000 |
| Interest expense | 1,414,000 | 2,910,000 | 4,434,000 | 6,035,000 |
| Net interest income | 1,427,000 | 2,929,000 | 4,382,000 | 5,879,000 |
| Noninterest income | 468,000 | 941,000 | 1,470,000 | 1,979,000 |
| Noninterest expense | 1,315,000 | 2,595,000 | 3,871,000 | 5,198,000 |
| Provision for loan losses | 60,000 | 60,000 | 106,000 | 819,000 |
| Pretax income | 510,000 | 1,205,000 | 1,865,000 | 1,831,000 |
| Income tax | 15,000 | 30,000 | 45,000 | 66,000 |
| Net income | 495,000 | 1,175,000 | 1,820,000 | 1,765,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,734,000 | 12,899,000 | 13,728,000 | 13,271,000 |
| Total capital | 13,938,000 | 13,992,000 | 14,615,000 | 14,263,000 |
| Risk-weighted assets | 133,812,000 | 133,635,000 | 139,538,000 | 141,693,000 |