Call reports 2009
CHOICEONE BANK — 2009
What CHOICEONE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 452,516,000 | 442,535,000 | 455,078,000 | 462,863,000 |
| Total loans | 319,862,000 | 317,031,000 | 320,769,000 | 323,038,000 |
| Allowance for loan losses | 4,059,000 | 3,832,000 | 4,103,000 | 4,322,000 |
| Securities available for sale | 71,722,000 | 71,566,000 | 75,307,000 | 74,211,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 353,499,000 | 337,212,000 | 359,180,000 | 365,091,000 |
| Interest-bearing deposits | 299,900,000 | 280,295,000 | 291,905,000 | 304,207,000 |
| Noninterest-bearing deposits | 53,599,000 | 56,917,000 | 67,275,000 | 60,884,000 |
| Equity capital | 52,011,000 | 52,462,000 | 53,492,000 | 52,655,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,907,000 | 11,716,000 | 17,508,000 | 23,070,000 |
| Interest expense | 2,016,000 | 3,813,000 | 5,524,000 | 7,090,000 |
| Net interest income | 3,891,000 | 7,903,000 | 11,984,000 | 15,980,000 |
| Noninterest income | 1,273,000 | 2,742,000 | 4,040,000 | 5,065,000 |
| Noninterest expense | 3,772,000 | 7,699,000 | 11,498,000 | 15,193,000 |
| Provision for loan losses | 600,000 | 1,950,000 | 3,175,000 | 4,875,000 |
| Pretax income | 895,000 | 1,102,000 | 1,492,000 | 1,316,000 |
| Income tax | 144,000 | 56,000 | 26,000 | -178,000 |
| Net income | 751,000 | 1,046,000 | 1,466,000 | 1,494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,390,000 | 34,929,000 | 35,274,000 | 35,073,000 |
| Total capital | 38,194,000 | 38,542,000 | 39,276,000 | 39,130,000 |
| Risk-weighted assets | 328,554,000 | 324,569,000 | 328,240,000 | 328,471,000 |