Call reports 2008
CHARTER WEST BANK — 2008
What CHARTER WEST BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 170,427,000 | 168,970,000 | 162,925,000 | 172,957,000 |
| Total loans | 127,945,000 | 124,279,000 | 122,700,000 | 127,369,000 |
| Allowance for loan losses | 946,000 | 1,748,000 | 1,727,000 | 1,453,000 |
| Securities available for sale | 16,797,000 | 16,467,000 | 15,892,000 | 16,568,000 |
| Securities held to maturity | 9,201,000 | 9,185,000 | 9,133,000 | 9,121,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,928,000 | 143,988,000 | 134,523,000 | 142,641,000 |
| Interest-bearing deposits | 134,403,000 | 129,341,000 | 119,577,000 | 127,134,000 |
| Noninterest-bearing deposits | 15,525,000 | 14,647,000 | 14,946,000 | 15,507,000 |
| Equity capital | 14,141,000 | 16,216,000 | 16,696,000 | 16,532,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,796,000 | 5,416,000 | 7,892,000 | 10,355,000 |
| Interest expense | 1,457,000 | 2,722,000 | 3,763,000 | 4,788,000 |
| Net interest income | 1,339,000 | 2,694,000 | 4,129,000 | 5,567,000 |
| Noninterest income | 525,000 | 1,088,000 | 1,695,000 | 2,175,000 |
| Noninterest expense | 1,364,000 | 2,747,000 | 4,141,000 | 5,499,000 |
| Provision for loan losses | 450,000 | 1,311,000 | 1,343,000 | 1,373,000 |
| Pretax income | 357,000 | 29,000 | 666,000 | 1,196,000 |
| Income tax | 18,000 | 34,000 | 49,000 | 64,000 |
| Net income | 339,000 | -5,000 | 617,000 | 1,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,350,000 | 15,646,000 | 16,089,000 | 15,604,000 |
| Total capital | 14,298,000 | 17,335,000 | 17,781,000 | 17,059,000 |
| Risk-weighted assets | 140,007,000 | 135,055,000 | 135,303,000 | 139,640,000 |