Call reports 2010
CHOICE FINANCIAL GROUP — 2010
What CHOICE FINANCIAL GROUP 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 | 539,517,000 | 548,132,000 | 570,105,000 | 579,650,000 |
| Total loans | 452,129,000 | 454,050,000 | 462,278,000 | 467,001,000 |
| Allowance for loan losses | 5,948,000 | 7,254,000 | 8,179,000 | 4,841,000 |
| Securities available for sale | 64,737,000 | 65,314,000 | 67,490,000 | 67,937,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 442,523,000 | 469,812,000 | 490,674,000 | 502,024,000 |
| Interest-bearing deposits | 396,691,000 | 421,358,000 | 437,757,000 | 434,738,000 |
| Noninterest-bearing deposits | 45,832,000 | 48,454,000 | 52,917,000 | 67,286,000 |
| Equity capital | 49,405,000 | 48,878,000 | 51,040,000 | 50,629,000 |
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 | 7,302,000 | 14,575,000 | 22,322,000 | 29,771,000 |
| Interest expense | 2,456,000 | 4,681,000 | 6,874,000 | 8,972,000 |
| Net interest income | 4,846,000 | 9,894,000 | 15,448,000 | 20,799,000 |
| Noninterest income | 1,307,000 | 2,450,000 | 3,645,000 | 4,847,000 |
| Noninterest expense | 3,457,000 | 6,832,000 | 10,308,000 | 14,036,000 |
| Provision for loan losses | 325,000 | 3,825,000 | 4,875,000 | 6,975,000 |
| Pretax income | 2,371,000 | 1,700,000 | 3,923,000 | 4,652,000 |
| Income tax | 101,000 | 191,000 | 341,000 | 371,000 |
| Net income | 2,270,000 | 1,509,000 | 3,582,000 | 4,281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,537,000 | 45,779,000 | 47,852,000 | 48,053,000 |
| Total capital | 52,322,000 | 51,643,000 | 53,844,000 | 52,901,000 |
| Risk-weighted assets | 472,664,000 | 467,699,000 | 476,873,000 | 482,521,000 |
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