Call reports 2012
CHARTER WEST BANK — 2012
What CHARTER WEST BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 189,776,000 | 197,160,000 | 196,022,000 | 192,315,000 |
| Total loans | 128,821,000 | 133,082,000 | 129,054,000 | 130,471,000 |
| Allowance for loan losses | 1,931,000 | 1,933,000 | 2,000,000 | 2,001,000 |
| Securities available for sale | 18,288,000 | 21,174,000 | 21,533,000 | 21,117,000 |
| Securities held to maturity | 10,140,000 | 10,195,000 | 10,111,000 | 9,371,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,374,000 | 168,550,000 | 166,655,000 | 164,532,000 |
| Interest-bearing deposits | 136,665,000 | 142,545,000 | 142,958,000 | 131,939,000 |
| Noninterest-bearing deposits | 25,708,000 | 26,004,000 | 23,697,000 | 32,593,000 |
| Equity capital | 18,481,000 | 19,322,000 | 20,034,000 | 18,841,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,018,000 | 4,062,000 | 6,119,000 | 8,025,000 |
| Interest expense | 298,000 | 576,000 | 845,000 | 1,099,000 |
| Net interest income | 1,720,000 | 3,486,000 | 5,274,000 | 6,926,000 |
| Noninterest income | 1,469,000 | 3,280,000 | 5,298,000 | 7,410,000 |
| Noninterest expense | 2,218,000 | 4,511,000 | 6,884,000 | 9,429,000 |
| Provision for loan losses | 0 | 5,000 | 112,000 | 143,000 |
| Pretax income | 971,000 | 2,250,000 | 3,576,000 | 4,764,000 |
| Income tax | 20,000 | 37,000 | 55,000 | 77,000 |
| Net income | 951,000 | 2,213,000 | 3,521,000 | 4,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,613,000 | 18,495,000 | 19,154,000 | 18,021,000 |
| Total capital | 19,465,000 | 20,386,000 | 20,996,000 | 19,879,000 |
| Risk-weighted assets | 148,072,000 | 151,246,000 | 147,183,000 | 148,499,000 |