Call reports 2003
CHOICE FINANCIAL SAVINGS BANK — 2003
What CHOICE FINANCIAL SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 13,793,000 | 12,993,000 | 13,475,000 | 13,883,000 |
| Total loans | 6,114,000 | 5,556,000 | 6,178,000 | 5,659,000 |
| Allowance for loan losses | 90,000 | 90,000 | 90,000 | 90,000 |
| Securities available for sale | 216,000 | 203,000 | 190,000 | 144,000 |
| Securities held to maturity | 2,560,000 | 2,225,000 | 2,324,000 | 2,823,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,487,000 | 11,623,000 | 12,105,000 | 12,561,000 |
| Interest-bearing deposits | 11,000,000 | 10,366,000 | 10,808,000 | 10,507,000 |
| Noninterest-bearing deposits | 1,487,000 | 1,257,000 | 1,297,000 | 2,054,000 |
| Equity capital | 1,081,000 | 1,137,000 | 1,140,000 | 1,105,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 152,000 | 296,000 | 437,000 | 581,000 |
| Interest expense | 60,000 | 116,000 | 167,000 | 215,000 |
| Net interest income | 92,000 | 180,000 | 270,000 | 366,000 |
| Noninterest income | 20,000 | 93,000 | 113,000 | 137,000 |
| Noninterest expense | 111,000 | 217,000 | 326,000 | 473,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | -9,000 | 46,000 | 47,000 | 20,000 |
| Income tax | -2,000 | -3,000 | -5,000 | 3,000 |
| Net income | -7,000 | 49,000 | 52,000 | 17,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,081,000 | 1,137,000 | 1,140,000 | 1,105,000 |
| Total capital | 1,171,000 | 1,227,000 | 1,230,000 | 1,195,000 |
| Risk-weighted assets | 8,197,000 | 7,685,000 | 8,266,000 | 8,127,000 |