Call reports 2015
CHOICE BANK — 2015
What CHOICE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 250,896,000 | 252,731,000 | 258,916,000 | 277,692,000 |
| Total loans | 201,139,000 | 214,909,000 | 219,287,000 | 233,584,000 |
| Allowance for loan losses | 4,824,000 | 5,115,000 | 5,085,000 | 5,085,000 |
| Securities available for sale | 25,355,000 | 21,001,000 | 20,532,000 | 27,007,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,058,000 | 194,351,000 | 196,524,000 | 208,995,000 |
| Interest-bearing deposits | 180,998,000 | 175,055,000 | 181,279,000 | 183,945,000 |
| Noninterest-bearing deposits | 15,060,000 | 19,296,000 | 15,245,000 | 25,050,000 |
| Equity capital | 24,072,000 | 24,701,000 | 25,472,000 | 26,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,498,000 | 5,168,000 | 7,877,000 | 10,686,000 |
| Interest expense | 502,000 | 1,078,000 | 1,662,000 | 2,323,000 |
| Net interest income | 1,996,000 | 4,090,000 | 6,215,000 | 8,363,000 |
| Noninterest income | 164,000 | 373,000 | 549,000 | 673,000 |
| Noninterest expense | 1,159,000 | 2,345,000 | 3,579,000 | 4,716,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,001,000 | 2,118,000 | 3,185,000 | 4,320,000 |
| Income tax | 382,000 | 811,000 | 1,220,000 | 1,655,000 |
| Net income | 619,000 | 1,307,000 | 1,965,000 | 2,665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,934,000 | 24,270,000 | 24,966,000 | 25,790,000 |
| Total capital | 26,162,000 | 26,673,000 | 27,441,000 | 28,432,000 |
| Risk-weighted assets | 175,663,000 | 189,526,000 | 194,960,000 | 208,654,000 |