Call reports 2019
CHARTER WEST BANK — 2019
What CHARTER WEST BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 263,810,000 | 285,688,000 | 298,030,000 | 288,563,000 |
| Total loans | 198,784,000 | 217,014,000 | 217,553,000 | 212,287,000 |
| Allowance for loan losses | 2,417,000 | 2,434,000 | 2,450,000 | 2,467,000 |
| Securities available for sale | 16,559,000 | 17,136,000 | 16,948,000 | 16,697,000 |
| Securities held to maturity | 8,028,000 | 8,528,000 | 8,552,000 | 8,651,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,986,000 | 241,776,000 | 256,528,000 | 248,338,000 |
| Interest-bearing deposits | 183,718,000 | 195,456,000 | 208,723,000 | 203,872,000 |
| Noninterest-bearing deposits | 44,269,000 | 46,320,000 | 47,805,000 | 44,466,000 |
| Equity capital | 24,163,000 | 26,612,000 | 28,720,000 | 28,217,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,030,000 | 6,248,000 | 9,659,000 | 12,991,000 |
| Interest expense | 799,000 | 1,710,000 | 2,716,000 | 3,693,000 |
| Net interest income | 2,231,000 | 4,538,000 | 6,943,000 | 9,298,000 |
| Noninterest income | 1,677,000 | 4,883,000 | 9,143,000 | 12,567,000 |
| Noninterest expense | 3,294,000 | 7,040,000 | 11,568,000 | 16,227,000 |
| Provision for loan losses | 22,000 | 87,000 | 114,000 | 153,000 |
| Pretax income | 592,000 | 2,294,000 | 4,404,000 | 5,485,000 |
| Income tax | 25,000 | 50,000 | 75,000 | 110,000 |
| Net income | 567,000 | 2,244,000 | 4,329,000 | 5,375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,647,000 | 25,924,000 | 28,009,000 | 27,494,000 |
| Total capital | 26,094,000 | 28,388,000 | 30,509,000 | 30,011,000 |
| Risk-weighted assets | 212,495,000 | 221,065,000 | 222,737,000 | 221,482,000 |