Call reports 2004
CHOICE FINANCIAL SAVINGS BANK — 2004
What CHOICE FINANCIAL SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 13,666,000 | 13,475,000 | 12,461,000 | 14,392,000 |
| Total loans | 6,364,000 | 6,626,000 | 6,764,000 | 6,708,000 |
| Allowance for loan losses | 90,000 | 100,000 | 78,000 | 78,000 |
| Securities available for sale | 38,000 | 34,000 | 28,000 | 13,000 |
| Securities held to maturity | 3,123,000 | 3,620,000 | 3,522,000 | 3,520,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,366,000 | 12,160,000 | 11,143,000 | 13,017,000 |
| Interest-bearing deposits | 10,715,000 | 10,303,000 | 9,928,000 | 11,217,000 |
| Noninterest-bearing deposits | 1,651,000 | 1,857,000 | 1,215,000 | 1,800,000 |
| Equity capital | 1,082,000 | 1,085,000 | 1,087,000 | 1,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 135,000 | 273,000 | 414,000 | 557,000 |
| Interest expense | 46,000 | 89,000 | 130,000 | 172,000 |
| Net interest income | 89,000 | 184,000 | 284,000 | 385,000 |
| Noninterest income | 20,000 | 41,000 | 61,000 | 76,000 |
| Noninterest expense | 107,000 | 209,000 | 325,000 | 438,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 10,000 |
| Pretax income | 2,000 | 6,000 | 10,000 | 13,000 |
| Income tax | -1,000 | 0 | 2,000 | -63,000 |
| Net income | 3,000 | 6,000 | 8,000 | 76,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,082,000 | 1,085,000 | 1,087,000 | 1,155,000 |
| Total capital | 1,172,000 | 1,185,000 | 1,165,000 | 1,233,000 |
| Risk-weighted assets | 8,622,000 | 8,750,000 | 8,583,000 | 9,055,000 |