Call reports 2012
CHOICEONE BANK — 2012
What CHOICEONE BANK 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 | 502,484,000 | 496,041,000 | 509,690,000 | 508,300,000 |
| Total loans | 308,066,000 | 305,838,000 | 303,370,000 | 313,342,000 |
| Allowance for loan losses | 5,336,000 | 5,609,000 | 5,773,000 | 5,852,000 |
| Securities available for sale | 125,960,000 | 128,940,000 | 137,583,000 | 133,865,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 413,352,000 | 402,973,000 | 420,212,000 | 424,349,000 |
| Interest-bearing deposits | 332,565,000 | 317,630,000 | 337,948,000 | 322,353,000 |
| Noninterest-bearing deposits | 80,787,000 | 85,343,000 | 82,264,000 | 101,996,000 |
| Equity capital | 57,611,000 | 58,679,000 | 59,597,000 | 59,811,000 |
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 | 5,172,000 | 10,174,000 | 15,273,000 | 20,202,000 |
| Interest expense | 757,000 | 1,470,000 | 2,060,000 | 2,544,000 |
| Net interest income | 4,415,000 | 8,704,000 | 13,213,000 | 17,658,000 |
| Noninterest income | 1,525,000 | 3,120,000 | 4,746,000 | 6,470,000 |
| Noninterest expense | 3,982,000 | 7,968,000 | 12,116,000 | 16,353,000 |
| Provision for loan losses | 825,000 | 1,475,000 | 1,975,000 | 2,515,000 |
| Pretax income | 1,302,000 | 2,667,000 | 4,175,000 | 5,679,000 |
| Income tax | 268,000 | 598,000 | 974,000 | 1,372,000 |
| Net income | 1,034,000 | 2,069,000 | 3,201,000 | 4,307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,720,000 | 40,444,000 | 41,240,000 | 42,015,000 |
| Total capital | 43,667,000 | 44,375,000 | 45,153,000 | 46,004,000 |
| Risk-weighted assets | 333,004,000 | 331,213,000 | 328,565,000 | 335,701,000 |