Call reports 2010
CHOICE BANK — 2010
What CHOICE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 122,794,000 | 147,394,000 | 161,221,000 | 163,698,000 |
| Total loans | 105,199,000 | 120,173,000 | 131,540,000 | 140,872,000 |
| Allowance for loan losses | 2,226,000 | 2,558,000 | 1,963,000 | 3,046,000 |
| Securities available for sale | 5,455,000 | 7,998,000 | 11,214,000 | 11,762,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,869,000 | 129,305,000 | 143,145,000 | 150,819,000 |
| Interest-bearing deposits | 99,795,000 | 123,487,000 | 135,687,000 | 144,089,000 |
| Noninterest-bearing deposits | 5,074,000 | 5,818,000 | 7,458,000 | 6,730,000 |
| Equity capital | 17,536,000 | 17,505,000 | 17,597,000 | 12,256,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,551,000 | 3,203,000 | 5,150,000 | 7,272,000 |
| Interest expense | 551,000 | 1,118,000 | 1,759,000 | 2,411,000 |
| Net interest income | 1,000,000 | 2,085,000 | 3,391,000 | 4,861,000 |
| Noninterest income | 197,000 | 400,000 | 620,000 | 915,000 |
| Noninterest expense | 810,000 | 1,829,000 | 2,833,000 | 5,455,000 |
| Provision for loan losses | 105,000 | 437,000 | 815,000 | 2,590,000 |
| Pretax income | 282,000 | 219,000 | 363,000 | -2,269,000 |
| Income tax | 112,000 | 102,000 | 174,000 | 2,814,000 |
| Net income | 170,000 | 117,000 | 189,000 | -5,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,077,000 | 15,176,000 | 15,551,000 | 12,069,000 |
| Total capital | 16,311,000 | 16,613,000 | 17,134,000 | 13,661,000 |
| Risk-weighted assets | 97,610,000 | 113,859,000 | 126,263,000 | 126,062,000 |
Machine access — free, no API key
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