Call reports 2009
CHARTER WEST BANK — 2009
What CHARTER WEST BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 176,695,000 | 177,610,000 | 179,052,000 | 179,619,000 |
| Total loans | 130,385,000 | 124,753,000 | 123,858,000 | 124,588,000 |
| Allowance for loan losses | 1,516,000 | 1,770,000 | 1,816,000 | 1,841,000 |
| Securities available for sale | 15,219,000 | 16,802,000 | 18,870,000 | 16,021,000 |
| Securities held to maturity | 8,862,000 | 8,805,000 | 8,766,000 | 9,031,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,518,000 | 148,586,000 | 148,981,000 | 148,792,000 |
| Interest-bearing deposits | 130,043,000 | 133,463,000 | 132,013,000 | 128,522,000 |
| Noninterest-bearing deposits | 15,475,000 | 15,123,000 | 16,969,000 | 20,271,000 |
| Equity capital | 17,088,000 | 16,798,000 | 17,203,000 | 17,876,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,379,000 | 4,393,000 | 6,637,000 | 8,879,000 |
| Interest expense | 955,000 | 1,848,000 | 2,631,000 | 3,332,000 |
| Net interest income | 1,424,000 | 2,545,000 | 4,006,000 | 5,547,000 |
| Noninterest income | 720,000 | 1,653,000 | 2,494,000 | 3,142,000 |
| Noninterest expense | 1,525,000 | 3,193,000 | 4,884,000 | 6,417,000 |
| Provision for loan losses | 64,000 | 504,000 | 564,000 | 1,259,000 |
| Pretax income | 555,000 | 501,000 | 1,052,000 | 1,013,000 |
| Income tax | 15,000 | 30,000 | 46,000 | 26,000 |
| Net income | 540,000 | 471,000 | 1,006,000 | 987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,145,000 | 15,855,000 | 16,211,000 | 16,967,000 |
| Total capital | 17,663,000 | 17,569,000 | 17,924,000 | 18,725,000 |
| Risk-weighted assets | 142,285,000 | 137,092,000 | 136,949,000 | 140,543,000 |