Call reports 2012
FIRST CHOICE BANK — 2012
What FIRST CHOICE 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 | 698,658,000 | 771,812,000 | 809,904,000 | 900,138,000 |
| Total loans | 435,096,000 | 488,641,000 | 527,855,000 | 614,281,000 |
| Allowance for loan losses | 5,207,000 | 5,215,000 | 5,435,000 | 5,947,000 |
| Securities available for sale | 185,057,000 | 188,914,000 | 181,160,000 | 148,198,000 |
| Securities held to maturity | 37,453,000 | 60,821,000 | 70,978,000 | 100,586,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 610,095,000 | 669,347,000 | 679,639,000 | 699,223,000 |
| Interest-bearing deposits | 575,579,000 | 642,197,000 | 649,535,000 | 669,562,000 |
| Noninterest-bearing deposits | 34,516,000 | 27,150,000 | 30,104,000 | 29,661,000 |
| Equity capital | 65,067,000 | 67,687,000 | 80,499,000 | 82,284,000 |
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 | 6,728,000 | 13,693,000 | 20,984,000 | 28,754,000 |
| Interest expense | 2,133,000 | 4,268,000 | 6,409,000 | 8,554,000 |
| Net interest income | 4,595,000 | 9,425,000 | 14,575,000 | 20,200,000 |
| Noninterest income | 14,129,000 | 29,042,000 | 46,800,000 | 68,226,000 |
| Noninterest expense | 15,107,000 | 30,506,000 | 48,601,000 | 70,763,000 |
| Provision for loan losses | 345,000 | 650,000 | 995,000 | 1,715,000 |
| Pretax income | 3,272,000 | 7,399,000 | 12,023,000 | 16,523,000 |
| Income tax | 1,315,000 | 2,949,000 | 4,736,000 | 6,508,000 |
| Net income | 1,957,000 | 4,450,000 | 7,287,000 | 10,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,942,000 | 65,240,000 | 77,862,000 | 79,814,000 |
| Total capital | 67,788,000 | 70,455,000 | 83,297,000 | 85,761,000 |
| Risk-weighted assets | 387,340,000 | 426,493,000 | 462,541,000 | 509,864,000 |