Call reports 2011
CHARTER WEST BANK — 2011
What CHARTER WEST BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 179,926,000 | 182,960,000 | 182,464,000 | 180,540,000 |
| Total loans | 117,362,000 | 113,273,000 | 122,875,000 | 135,190,000 |
| Allowance for loan losses | 1,927,000 | 1,920,000 | 1,930,000 | 1,928,000 |
| Securities available for sale | 19,736,000 | 17,336,000 | 16,473,000 | 16,131,000 |
| Securities held to maturity | 10,248,000 | 9,426,000 | 9,421,000 | 9,768,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,232,000 | 156,789,000 | 155,636,000 | 150,488,000 |
| Interest-bearing deposits | 129,457,000 | 135,316,000 | 131,343,000 | 125,957,000 |
| Noninterest-bearing deposits | 22,775,000 | 21,473,000 | 24,293,000 | 24,530,000 |
| Equity capital | 17,635,000 | 18,017,000 | 18,498,000 | 17,534,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,976,000 | 3,965,000 | 5,902,000 | 7,932,000 |
| Interest expense | 443,000 | 856,000 | 1,240,000 | 1,584,000 |
| Net interest income | 1,533,000 | 3,109,000 | 4,662,000 | 6,348,000 |
| Noninterest income | 875,000 | 1,812,000 | 3,354,000 | 4,886,000 |
| Noninterest expense | 1,854,000 | 3,616,000 | 5,565,000 | 7,657,000 |
| Provision for loan losses | 5,000 | 15,000 | 53,000 | 67,000 |
| Pretax income | 549,000 | 1,290,000 | 2,396,000 | 3,507,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 70,000 |
| Net income | 537,000 | 1,266,000 | 2,360,000 | 3,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,863,000 | 17,067,000 | 17,560,000 | 16,662,000 |
| Total capital | 18,547,000 | 18,736,000 | 19,322,000 | 18,530,000 |
| Risk-weighted assets | 134,454,000 | 133,254,000 | 140,817,000 | 149,409,000 |