Call reports 2007
FIRST CHOICE COMMUNITY BANK — 2007
What FIRST CHOICE COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|
| Total assets | 53,397,000 | 60,194,000 | 77,317,000 |
| Total loans | 37,455,000 | 50,026,000 | 56,653,000 |
| Allowance for loan losses | 485,000 | 564,000 | 708,000 |
| Securities available for sale | 0 | 0 | 1,402,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 35,511,000 | 41,946,000 | 58,847,000 |
| Interest-bearing deposits | 28,729,000 | 36,970,000 | 53,538,000 |
| Noninterest-bearing deposits | 6,783,000 | 4,976,000 | 5,309,000 |
| Equity capital | 17,746,000 | 17,840,000 | 17,866,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|
| Interest income | 829,000 | 1,976,000 | 3,138,000 |
| Interest expense | 280,000 | 723,000 | 1,227,000 |
| Net interest income | 549,000 | 1,253,000 | 1,911,000 |
| Noninterest income | 8,000 | 19,000 | 42,000 |
| Noninterest expense | 453,000 | 943,000 | 1,444,000 |
| Provision for loan losses | 355,000 | 434,000 | 578,000 |
| Pretax income | -251,000 | -105,000 | -69,000 |
| Income tax | -93,000 | -34,000 | -19,000 |
| Net income | -158,000 | -71,000 | -50,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|
| Tier 1 capital | 17,746,000 | 17,840,000 | 17,107,000 |
| Total capital | 18,231,000 | 18,404,000 | 17,815,000 |
| Risk-weighted assets | 44,431,000 | 59,188,000 | 72,406,000 |
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