Call reports 2012
CHOICE BANK — 2012
What CHOICE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 180,865,000 | 182,727,000 | 185,669,000 | 189,488,000 |
| Total loans | 162,151,000 | 162,521,000 | 163,475,000 | 163,428,000 |
| Allowance for loan losses | 4,439,000 | 4,690,000 | 4,625,000 | 4,772,000 |
| Securities available for sale | 9,954,000 | 11,178,000 | 11,943,000 | 9,480,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,192,000 | 164,277,000 | 166,225,000 | 169,891,000 |
| Interest-bearing deposits | 153,240,000 | 154,688,000 | 156,755,000 | 151,790,000 |
| Noninterest-bearing deposits | 9,952,000 | 9,589,000 | 9,470,000 | 18,101,000 |
| Equity capital | 17,108,000 | 17,780,000 | 18,619,000 | 19,118,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,432,000 | 4,779,000 | 7,083,000 | 9,329,000 |
| Interest expense | 540,000 | 1,033,000 | 1,537,000 | 2,015,000 |
| Net interest income | 1,892,000 | 3,746,000 | 5,546,000 | 7,314,000 |
| Noninterest income | 644,000 | 778,000 | 972,000 | 1,219,000 |
| Noninterest expense | 1,021,000 | 2,065,000 | 3,695,000 | 4,893,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,050,000 |
| Pretax income | 1,215,000 | 1,859,000 | 1,923,000 | 2,590,000 |
| Income tax | 0 | 0 | -740,000 | -395,000 |
| Net income | 1,215,000 | 1,859,000 | 2,663,000 | 2,985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,908,000 | 17,407,000 | 17,752,000 | 18,159,000 |
| Total capital | 18,667,000 | 19,161,000 | 19,502,000 | 19,928,000 |
| Risk-weighted assets | 138,022,000 | 137,354,000 | 137,150,000 | 138,706,000 |
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