Call reports 2005
CHOICE FINANCIAL SAVINGS BANK — 2005
What CHOICE FINANCIAL SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 |
|---|---|---|
| Total assets | 14,091,000 | 13,279,000 |
| Total loans | 6,626,000 | 7,989,000 |
| Allowance for loan losses | 73,000 | 73,000 |
| Securities available for sale | 8,000 | 2,021,000 |
| Securities held to maturity | 3,419,000 | 1,294,000 |
| Trading assets | 0 | 0 |
| Total deposits | 12,731,000 | 11,915,000 |
| Interest-bearing deposits | 11,129,000 | 10,681,000 |
| Noninterest-bearing deposits | 1,602,000 | 1,234,000 |
| Equity capital | 1,126,000 | 1,112,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 |
|---|---|---|
| Interest income | 145,000 | 298,000 |
| Interest expense | 44,000 | 94,000 |
| Net interest income | 101,000 | 204,000 |
| Noninterest income | 20,000 | 35,000 |
| Noninterest expense | 107,000 | 213,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 14,000 | 0 |
| Income tax | 0 | 0 |
| Net income | 14,000 | 0 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 |
|---|---|---|
| Tier 1 capital | 1,126,000 | 1,112,000 |
| Total capital | 1,199,000 | 1,185,000 |
| Risk-weighted assets | 9,355,000 | 10,662,000 |