Call reports 2013
CHARTER WEST BANK — 2013
What CHARTER WEST BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 191,072,000 | 195,158,000 | 190,888,000 | 190,848,000 |
| Total loans | 126,063,000 | 122,465,000 | 128,159,000 | 130,553,000 |
| Allowance for loan losses | 2,005,000 | 1,999,000 | 1,916,000 | 1,915,000 |
| Securities available for sale | 21,595,000 | 21,925,000 | 22,352,000 | 20,909,000 |
| Securities held to maturity | 8,570,000 | 9,179,000 | 9,266,000 | 8,506,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,363,000 | 165,951,000 | 161,906,000 | 163,172,000 |
| Interest-bearing deposits | 132,043,000 | 135,483,000 | 133,461,000 | 129,995,000 |
| Noninterest-bearing deposits | 30,320,000 | 30,468,000 | 28,446,000 | 33,177,000 |
| Equity capital | 19,633,000 | 19,777,000 | 19,585,000 | 18,724,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,926,000 | 3,773,000 | 5,629,000 | 7,521,000 |
| Interest expense | 233,000 | 451,000 | 657,000 | 855,000 |
| Net interest income | 1,693,000 | 3,322,000 | 4,972,000 | 6,666,000 |
| Noninterest income | 1,552,000 | 3,560,000 | 5,077,000 | 6,289,000 |
| Noninterest expense | 2,405,000 | 5,012,000 | 7,452,000 | 9,536,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 20,000 |
| Pretax income | 840,000 | 1,850,000 | 2,577,000 | 3,399,000 |
| Income tax | 19,000 | 37,000 | 54,000 | 77,000 |
| Net income | 821,000 | 1,813,000 | 2,523,000 | 3,322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,841,000 | 19,183,000 | 18,894,000 | 18,067,000 |
| Total capital | 20,637,000 | 20,929,000 | 20,730,000 | 19,950,000 |
| Risk-weighted assets | 143,478,000 | 139,441,000 | 146,749,000 | 150,605,000 |