Call reports 2017
CHARTER WEST BANK — 2017
What CHARTER WEST BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 234,421,000 | 244,984,000 | 239,758,000 | 235,212,000 |
| Total loans | 183,196,000 | 180,787,000 | 178,510,000 | 177,273,000 |
| Allowance for loan losses | 2,230,000 | 2,249,000 | 2,277,000 | 2,293,000 |
| Securities available for sale | 18,992,000 | 18,336,000 | 18,974,000 | 18,717,000 |
| Securities held to maturity | 8,723,000 | 8,163,000 | 7,727,000 | 7,946,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,436,000 | 212,035,000 | 205,608,000 | 202,638,000 |
| Interest-bearing deposits | 159,289,000 | 165,442,000 | 161,225,000 | 154,526,000 |
| Noninterest-bearing deposits | 36,146,000 | 46,592,000 | 44,383,000 | 48,113,000 |
| Equity capital | 21,420,000 | 22,632,000 | 23,564,000 | 22,634,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,370,000 | 4,888,000 | 7,466,000 | 10,013,000 |
| Interest expense | 295,000 | 643,000 | 1,010,000 | 1,370,000 |
| Net interest income | 2,075,000 | 4,245,000 | 6,456,000 | 8,643,000 |
| Noninterest income | 1,045,000 | 2,669,000 | 4,350,000 | 5,811,000 |
| Noninterest expense | 2,633,000 | 5,410,000 | 8,325,000 | 11,004,000 |
| Provision for loan losses | 15,000 | 63,000 | 79,000 | 167,000 |
| Pretax income | 472,000 | 1,441,000 | 2,402,000 | 3,283,000 |
| Income tax | 21,000 | 41,000 | 61,000 | 110,000 |
| Net income | 451,000 | 1,400,000 | 2,341,000 | 3,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,903,000 | 22,016,000 | 22,948,000 | 22,223,000 |
| Total capital | 23,163,000 | 24,295,000 | 25,255,000 | 24,546,000 |
| Risk-weighted assets | 197,330,000 | 190,731,000 | 188,060,000 | 188,214,000 |