Call reports 2009
CHOICE BANK — 2009
What CHOICE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 121,816,000 | 121,626,000 | 118,964,000 | 120,895,000 |
| Total loans | 109,202,000 | 107,635,000 | 106,854,000 | 106,642,000 |
| Allowance for loan losses | 1,296,000 | 1,295,000 | 1,512,000 | 2,123,000 |
| Securities available for sale | 5,774,000 | 5,655,000 | 5,668,000 | 5,521,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,762,000 | 100,541,000 | 96,518,000 | 103,053,000 |
| Interest-bearing deposits | 95,857,000 | 95,682,000 | 91,769,000 | 97,995,000 |
| Noninterest-bearing deposits | 4,905,000 | 4,859,000 | 4,749,000 | 5,058,000 |
| Equity capital | 20,136,000 | 20,253,000 | 20,385,000 | 17,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,551,000 | 3,140,000 | 4,709,000 | 6,235,000 |
| Interest expense | 784,000 | 1,493,000 | 2,115,000 | 2,686,000 |
| Net interest income | 767,000 | 1,647,000 | 2,594,000 | 3,549,000 |
| Noninterest income | 95,000 | 342,000 | 529,000 | 689,000 |
| Noninterest expense | 730,000 | 1,555,000 | 2,299,000 | 3,452,000 |
| Provision for loan losses | 228,000 | 308,000 | 601,000 | 5,501,000 |
| Pretax income | -96,000 | 126,000 | 223,000 | -4,715,000 |
| Income tax | -38,000 | 48,000 | 86,000 | -1,866,000 |
| Net income | -58,000 | 78,000 | 137,000 | -2,849,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,421,000 | 19,753,000 | 19,658,000 | 14,820,000 |
| Total capital | 20,613,000 | 20,951,000 | 20,866,000 | 16,038,000 |
| Risk-weighted assets | 95,356,000 | 95,757,000 | 96,330,000 | 96,498,000 |
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