Call reports 2025
CHARTER WEST BANK — 2025
What CHARTER WEST BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 483,970,000 | 509,255,000 | 516,652,000 | 508,166,000 |
| Total loans | 376,245,000 | 406,768,000 | 413,131,000 | 414,385,000 |
| Allowance for loan losses | 4,687,000 | 4,777,000 | 4,875,000 | 5,036,000 |
| Securities available for sale | 22,540,000 | 22,638,000 | 22,020,000 | 22,054,000 |
| Securities held to maturity | 6,578,000 | 6,289,000 | 6,983,000 | 6,945,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 430,549,000 | 439,380,000 | 442,762,000 | 450,012,000 |
| Interest-bearing deposits | 364,420,000 | 365,293,000 | 367,138,000 | 382,178,000 |
| Noninterest-bearing deposits | 66,129,000 | 74,087,000 | 75,624,000 | 67,834,000 |
| Equity capital | 41,616,000 | 44,150,000 | 46,285,000 | 46,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 7,133,000 | 15,032,000 | 23,075,000 | 31,357,000 |
| Interest expense | 2,870,000 | 5,969,000 | 9,137,000 | 12,270,000 |
| Net interest income | 4,263,000 | 9,063,000 | 13,938,000 | 19,087,000 |
| Noninterest income | 3,080,000 | 7,733,000 | 11,841,000 | 15,889,000 |
| Noninterest expense | 6,239,000 | 13,193,000 | 20,168,000 | 27,503,000 |
| Provision for loan losses | 90,000 | 278,000 | 388,000 | 538,000 |
| Pretax income | 1,014,000 | 3,325,000 | 5,223,000 | 6,935,000 |
| Income tax | 28,000 | 60,000 | 103,000 | 145,000 |
| Net income | 986,000 | 3,265,000 | 5,120,000 | 6,790,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,329,000 | 45,609,000 | 47,463,000 | 47,833,000 |