Call reports 2011
CHOICE FINANCIAL SAVINGS BANK — 2011
What CHOICE FINANCIAL SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q3 | 2011Q4 |
|---|---|---|
| Total assets | 15,752,000 | 14,981,000 |
| Total loans | 7,879,000 | 7,608,000 |
| Allowance for loan losses | 112,000 | 112,000 |
| Securities available for sale | 6,011,000 | 5,611,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 13,023,000 | 12,850,000 |
| Interest-bearing deposits | 11,319,000 | 10,894,000 |
| Noninterest-bearing deposits | 1,704,000 | 1,956,000 |
| Equity capital | 2,039,000 | 2,033,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q3 | 2011Q4 |
|---|---|---|
| Interest income | 471,000 | 623,000 |
| Interest expense | 91,000 | 113,000 |
| Net interest income | 380,000 | 510,000 |
| Noninterest income | 43,000 | 55,000 |
| Noninterest expense | 371,000 | 493,000 |
| Provision for loan losses | -90,000 | -90,000 |
| Pretax income | 142,000 | 162,000 |
| Income tax | 45,000 | 51,000 |
| Net income | 97,000 | 111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q3 | 2011Q4 |
|---|---|---|
| Tier 1 capital | 1,460,000 | 1,472,000 |
| Total capital | 1,572,000 | 1,581,000 |
| Risk-weighted assets | 9,851,000 | 8,709,000 |