Call reports 2002
CHOICE FINANCIAL SAVINGS BANK — 2002
What CHOICE FINANCIAL SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 14,039,000 | 14,008,000 | 13,609,000 | 14,277,000 |
| Total loans | 7,138,000 | 6,988,000 | 7,161,000 | 6,446,000 |
| Allowance for loan losses | 112,000 | 84,000 | 80,000 | 80,000 |
| Securities available for sale | 172,000 | 166,000 | 159,000 | 129,000 |
| Securities held to maturity | 2,760,000 | 2,159,000 | 2,160,000 | 2,160,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,422,000 | 12,367,000 | 11,960,000 | 12,643,000 |
| Interest-bearing deposits | 11,066,000 | 11,059,000 | 10,826,000 | 11,167,000 |
| Noninterest-bearing deposits | 1,356,000 | 1,308,000 | 1,134,000 | 1,476,000 |
| Equity capital | 1,061,000 | 1,069,000 | 1,091,000 | 1,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 184,000 | 379,000 | 568,000 | 744,000 |
| Interest expense | 82,000 | 162,000 | 234,000 | 299,000 |
| Net interest income | 102,000 | 217,000 | 334,000 | 445,000 |
| Noninterest income | 21,000 | 41,000 | 62,000 | 81,000 |
| Noninterest expense | 126,000 | 229,000 | 331,000 | 456,000 |
| Provision for loan losses | 20,000 | 20,000 | 30,000 | 30,000 |
| Pretax income | -23,000 | 9,000 | 35,000 | 40,000 |
| Income tax | -5,000 | -7,000 | -3,000 | -1,000 |
| Net income | -18,000 | 16,000 | 38,000 | 41,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,061,000 | 1,069,000 | 1,091,000 | 1,094,000 |
| Total capital | 1,173,000 | 1,153,000 | 1,171,000 | 1,174,000 |
| Risk-weighted assets | 9,210,000 | 8,919,000 | 9,007,000 | 8,717,000 |
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