Call reports 2009
FIRST CHOICE COMMUNITY BANK — 2009
What FIRST CHOICE COMMUNITY 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 | 113,692,000 | 117,905,000 | 117,475,000 | 128,620,000 |
| Total loans | 93,046,000 | 99,603,000 | 95,543,000 | 106,263,000 |
| Allowance for loan losses | 1,253,000 | 1,418,000 | 2,289,000 | 2,302,000 |
| Securities available for sale | 3,510,000 | 201,000 | 2,203,000 | 3,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,552,000 | 94,960,000 | 96,520,000 | 108,029,000 |
| Interest-bearing deposits | 86,742,000 | 90,629,000 | 92,425,000 | 103,698,000 |
| Noninterest-bearing deposits | 4,810,000 | 4,331,000 | 4,095,000 | 4,331,000 |
| Equity capital | 17,530,000 | 17,324,000 | 16,402,000 | 16,135,000 |
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 | 1,388,000 | 2,692,000 | 4,092,000 | 5,459,000 |
| Interest expense | 746,000 | 1,465,000 | 2,136,000 | 2,769,000 |
| Net interest income | 642,000 | 1,227,000 | 1,956,000 | 2,690,000 |
| Noninterest income | 36,000 | 66,000 | -314,000 | -213,000 |
| Noninterest expense | 701,000 | 1,396,000 | 2,224,000 | 3,414,000 |
| Provision for loan losses | 95,000 | 285,000 | 1,290,000 | 1,335,000 |
| Pretax income | -118,000 | -365,000 | -1,849,000 | -2,249,000 |
| Income tax | -45,000 | -144,000 | -697,000 | -856,000 |
| Net income | -73,000 | -221,000 | -1,152,000 | -1,393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,769,000 | 16,198,000 | 14,888,000 | 15,308,000 |
| Total capital | 18,022,000 | 17,605,000 | 16,210,000 | 16,873,000 |
| Risk-weighted assets | 104,415,000 | 112,568,000 | 104,778,000 | 124,470,000 |