Call reports 2012
CHOICE FINANCIAL GROUP — 2012
What CHOICE FINANCIAL GROUP 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 | 595,081,000 | 595,621,000 | 616,146,000 | 651,968,000 |
| Total loans | 468,912,000 | 483,827,000 | 508,471,000 | 544,147,000 |
| Allowance for loan losses | 5,195,000 | 5,239,000 | 5,046,000 | 5,661,000 |
| Securities available for sale | 89,113,000 | 83,583,000 | 79,896,000 | 74,390,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 525,482,000 | 522,254,000 | 538,585,000 | 558,826,000 |
| Interest-bearing deposits | 428,364,000 | 432,479,000 | 441,165,000 | 437,466,000 |
| Noninterest-bearing deposits | 97,118,000 | 89,775,000 | 97,420,000 | 121,360,000 |
| Equity capital | 59,324,000 | 63,022,000 | 66,983,000 | 68,042,000 |
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 | 7,159,000 | 14,247,000 | 21,502,000 | 28,755,000 |
| Interest expense | 1,251,000 | 2,203,000 | 3,040,000 | 3,834,000 |
| Net interest income | 5,908,000 | 12,044,000 | 18,462,000 | 24,921,000 |
| Noninterest income | 1,993,000 | 3,310,000 | 4,606,000 | 5,921,000 |
| Noninterest expense | 3,414,000 | 7,155,000 | 10,849,000 | 15,541,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,487,000 | 8,201,000 | 12,221,000 | 15,302,000 |
| Income tax | 247,000 | 470,000 | 712,000 | 896,000 |
| Net income | 4,240,000 | 7,731,000 | 11,509,000 | 14,406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,918,000 | 59,408,000 | 63,088,000 | 64,484,000 |
| Total capital | 61,126,000 | 64,663,000 | 68,150,000 | 70,165,000 |
| Risk-weighted assets | 490,663,000 | 499,093,000 | 532,913,000 | 560,785,000 |