Call reports 2016
CHARTER WEST BANK — 2016
What CHARTER WEST BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 217,645,000 | 224,823,000 | 221,980,000 | 229,634,000 |
| Total loans | 167,798,000 | 174,573,000 | 173,598,000 | 180,061,000 |
| Allowance for loan losses | 1,982,000 | 1,998,000 | 2,062,000 | 2,210,000 |
| Securities available for sale | 19,358,000 | 20,173,000 | 20,332,000 | 19,723,000 |
| Securities held to maturity | 8,933,000 | 9,259,000 | 8,615,000 | 8,826,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,869,000 | 190,360,000 | 190,361,000 | 187,302,000 |
| Interest-bearing deposits | 154,796,000 | 151,394,000 | 152,404,000 | 147,935,000 |
| Noninterest-bearing deposits | 33,073,000 | 38,967,000 | 37,956,000 | 39,367,000 |
| Equity capital | 20,853,000 | 21,311,000 | 22,231,000 | 20,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,282,000 | 4,621,000 | 7,029,000 | 9,370,000 |
| Interest expense | 221,000 | 461,000 | 699,000 | 949,000 |
| Net interest income | 2,061,000 | 4,160,000 | 6,330,000 | 8,421,000 |
| Noninterest income | 1,013,000 | 2,712,000 | 4,383,000 | 5,954,000 |
| Noninterest expense | 2,443,000 | 5,132,000 | 7,899,000 | 10,561,000 |
| Provision for loan losses | 20,000 | 290,000 | 365,000 | 533,000 |
| Pretax income | 612,000 | 1,451,000 | 2,454,000 | 3,286,000 |
| Income tax | 20,000 | 41,000 | 61,000 | 85,000 |
| Net income | 592,000 | 1,410,000 | 2,393,000 | 3,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,139,000 | 20,458,000 | 21,442,000 | 20,450,000 |
| Total capital | 22,146,000 | 22,481,000 | 23,534,000 | 22,690,000 |
| Risk-weighted assets | 191,013,000 | 197,005,000 | 187,340,000 | 191,283,000 |