Call reports 2005
CHOICEONE BANK — 2005
What CHOICEONE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 234,423,000 | 236,969,000 | 241,553,000 | 247,082,000 |
| Total loans | 177,741,000 | 179,727,000 | 183,202,000 | 185,832,000 |
| Allowance for loan losses | 1,783,000 | 1,813,000 | 1,855,000 | 1,963,000 |
| Securities available for sale | 41,293,000 | 41,194,000 | 40,374,000 | 43,700,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,184,000 | 169,755,000 | 176,267,000 | 182,240,000 |
| Interest-bearing deposits | 149,324,000 | 150,149,000 | 157,740,000 | 159,932,000 |
| Noninterest-bearing deposits | 19,860,000 | 19,606,000 | 18,527,000 | 22,308,000 |
| Equity capital | 20,405,000 | 20,891,000 | 21,077,000 | 21,126,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,080,000 | 6,333,000 | 9,776,000 | 13,304,000 |
| Interest expense | 1,107,000 | 2,364,000 | 3,741,000 | 5,279,000 |
| Net interest income | 1,973,000 | 3,969,000 | 6,035,000 | 8,025,000 |
| Noninterest income | 629,000 | 1,252,000 | 1,902,000 | 2,608,000 |
| Noninterest expense | 1,773,000 | 3,476,000 | 5,267,000 | 7,070,000 |
| Provision for loan losses | 100,000 | 250,000 | 380,000 | 495,000 |
| Pretax income | 728,000 | 1,494,000 | 2,285,000 | 3,040,000 |
| Income tax | 190,000 | 387,000 | 595,000 | 812,000 |
| Net income | 538,000 | 1,107,000 | 1,690,000 | 2,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,637,000 | 20,868,000 | 21,143,000 | 21,424,000 |
| Total capital | 22,428,000 | 22,691,000 | 23,015,000 | 23,408,000 |
| Risk-weighted assets | 175,028,000 | 177,462,000 | 180,999,000 | 183,392,000 |
Machine access — free, no API key
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