Call reports 2009
FIRST CHOICE BANK — 2009
What FIRST CHOICE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 169,963,000 | 205,482,000 | 256,621,000 | 267,565,000 |
| Total loans | 144,507,000 | 151,004,000 | 174,145,000 | 184,806,000 |
| Allowance for loan losses | 1,418,000 | 1,660,000 | 1,903,000 | 2,537,000 |
| Securities available for sale | 8,537,000 | 23,323,000 | 43,160,000 | 49,890,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,420,000 | 182,408,000 | 212,615,000 | 234,554,000 |
| Interest-bearing deposits | 136,445,000 | 170,891,000 | 200,499,000 | 218,926,000 |
| Noninterest-bearing deposits | 10,975,000 | 11,517,000 | 12,116,000 | 15,628,000 |
| Equity capital | 19,040,000 | 20,706,000 | 27,869,000 | 28,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,053,000 | 4,354,000 | 6,971,000 | 9,866,000 |
| Interest expense | 992,000 | 2,150,000 | 3,404,000 | 4,658,000 |
| Net interest income | 1,061,000 | 2,204,000 | 3,567,000 | 5,208,000 |
| Noninterest income | 1,434,000 | 2,984,000 | 5,027,000 | 7,739,000 |
| Noninterest expense | 2,090,000 | 4,550,000 | 7,640,000 | 11,364,000 |
| Provision for loan losses | 283,000 | 553,000 | 796,000 | 1,439,000 |
| Pretax income | 122,000 | 85,000 | 158,000 | 234,000 |
| Income tax | 0 | 0 | 0 | -771,000 |
| Net income | 122,000 | 85,000 | 158,000 | 1,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,607,000 | 20,374,000 | 27,333,000 | 28,203,000 |
| Total capital | 20,025,000 | 22,034,000 | 29,236,000 | 30,529,000 |
| Risk-weighted assets | 128,913,000 | 145,365,000 | 176,492,000 | 185,893,000 |
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