Call reports 2015
CHARTER WEST BANK — 2015
What CHARTER WEST BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 205,489,000 | 214,057,000 | 211,638,000 | 217,021,000 |
| Total loans | 156,624,000 | 157,744,000 | 154,843,000 | 167,300,000 |
| Allowance for loan losses | 1,926,000 | 1,933,000 | 1,948,000 | 1,963,000 |
| Securities available for sale | 19,334,000 | 19,922,000 | 19,541,000 | 18,643,000 |
| Securities held to maturity | 9,418,000 | 9,171,000 | 9,555,000 | 8,813,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,916,000 | 184,595,000 | 181,803,000 | 177,539,000 |
| Interest-bearing deposits | 143,008,000 | 149,748,000 | 150,355,000 | 139,443,000 |
| Noninterest-bearing deposits | 33,908,000 | 34,847,000 | 31,448,000 | 38,096,000 |
| Equity capital | 19,738,000 | 20,359,000 | 20,629,000 | 20,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,060,000 | 4,300,000 | 6,434,000 | 8,630,000 |
| Interest expense | 167,000 | 342,000 | 519,000 | 701,000 |
| Net interest income | 1,893,000 | 3,958,000 | 5,915,000 | 7,929,000 |
| Noninterest income | 1,140,000 | 2,627,000 | 3,928,000 | 5,232,000 |
| Noninterest expense | 2,448,000 | 4,995,000 | 7,571,000 | 9,989,000 |
| Provision for loan losses | 5,000 | 13,000 | 38,000 | 67,000 |
| Pretax income | 580,000 | 1,577,000 | 2,240,000 | 3,111,000 |
| Income tax | 21,000 | 41,000 | 62,000 | 86,000 |
| Net income | 559,000 | 1,536,000 | 2,178,000 | 3,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,010,000 | 19,686,000 | 19,902,000 | 19,548,000 |
| Total capital | 20,961,000 | 21,644,000 | 21,875,000 | 21,536,000 |
| Risk-weighted assets | 180,405,000 | 185,810,000 | 179,224,000 | 190,013,000 |