Call reports 2012
CHOICE FINANCIAL SAVINGS BANK — 2012
What CHOICE FINANCIAL SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 15,297,000 | 14,617,000 | 14,172,000 | 14,449,000 |
| Total loans | 6,828,000 | 6,488,000 | 6,481,000 | 6,163,000 |
| Allowance for loan losses | 135,000 | 135,000 | 165,000 | 196,000 |
| Securities available for sale | 6,793,000 | 6,461,000 | 6,073,000 | 5,659,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,217,000 | 12,495,000 | 12,034,000 | 12,323,000 |
| Interest-bearing deposits | 11,112,000 | 10,881,000 | 10,285,000 | 10,023,000 |
| Noninterest-bearing deposits | 2,105,000 | 1,614,000 | 1,749,000 | 2,300,000 |
| Equity capital | 2,027,000 | 2,062,000 | 2,085,000 | 2,070,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 143,000 | 279,000 | 405,000 | 527,000 |
| Interest expense | 21,000 | 38,000 | 53,000 | 67,000 |
| Net interest income | 122,000 | 241,000 | 352,000 | 460,000 |
| Noninterest income | 13,000 | 29,000 | 44,000 | 56,000 |
| Noninterest expense | 125,000 | 220,000 | 322,000 | 436,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 10,000 | 50,000 | 74,000 | 80,000 |
| Income tax | 3,000 | 15,000 | 23,000 | 25,000 |
| Net income | 7,000 | 35,000 | 51,000 | 55,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,502,000 | 1,535,000 | 1,556,000 | 1,565,000 |
| Total capital | 1,607,000 | 1,635,000 | 1,656,000 | 1,660,000 |
| Risk-weighted assets | 8,340,000 | 7,963,000 | 7,929,000 | 7,538,000 |