Call reports 2014
CHARTER WEST BANK — 2014
What CHARTER WEST BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 199,601,000 | 199,986,000 | 200,366,000 | 207,164,000 |
| Total loans | 136,229,000 | 143,421,000 | 143,041,000 | 157,064,000 |
| Allowance for loan losses | 1,900,000 | 1,902,000 | 1,922,000 | 1,926,000 |
| Securities available for sale | 20,570,000 | 20,811,000 | 20,572,000 | 19,104,000 |
| Securities held to maturity | 9,096,000 | 8,924,000 | 9,239,000 | 9,446,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,786,000 | 171,554,000 | 171,446,000 | 175,285,000 |
| Interest-bearing deposits | 137,075,000 | 139,173,000 | 137,044,000 | 134,131,000 |
| Noninterest-bearing deposits | 34,711,000 | 32,381,000 | 34,401,000 | 41,155,000 |
| Equity capital | 19,109,000 | 19,639,000 | 19,904,000 | 19,099,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,851,000 | 3,805,000 | 5,860,000 | 7,947,000 |
| Interest expense | 190,000 | 372,000 | 544,000 | 717,000 |
| Net interest income | 1,661,000 | 3,433,000 | 5,316,000 | 7,230,000 |
| Noninterest income | 1,253,000 | 2,660,000 | 4,216,000 | 5,377,000 |
| Noninterest expense | 2,420,000 | 4,869,000 | 7,414,000 | 9,727,000 |
| Provision for loan losses | 115,000 | 144,000 | 152,000 | 228,000 |
| Pretax income | 379,000 | 1,092,000 | 1,978,000 | 2,664,000 |
| Income tax | 18,000 | 36,000 | 54,000 | 81,000 |
| Net income | 361,000 | 1,056,000 | 1,924,000 | 2,583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,428,000 | 18,925,000 | 19,241,000 | 18,450,000 |
| Total capital | 20,353,000 | 20,852,000 | 21,188,000 | 20,401,000 |
| Risk-weighted assets | 154,339,000 | 158,863,000 | 160,128,000 | 175,055,000 |