Call reports 2013
FIRST CHOICE BANK — 2013
What FIRST CHOICE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 835,262,000 | 886,345,000 | 894,097,000 | 934,029,000 |
| Total loans | 556,642,000 | 547,336,000 | 492,573,000 | 514,827,000 |
| Allowance for loan losses | 6,153,000 | 5,840,000 | 5,730,000 | 6,657,000 |
| Securities available for sale | 149,023,000 | 178,921,000 | 165,055,000 | 152,625,000 |
| Securities held to maturity | 99,544,000 | 113,367,000 | 188,205,000 | 223,160,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 683,321,000 | 760,687,000 | 796,365,000 | 805,730,000 |
| Interest-bearing deposits | 653,814,000 | 711,203,000 | 756,626,000 | 770,040,000 |
| Noninterest-bearing deposits | 29,507,000 | 49,484,000 | 39,739,000 | 35,690,000 |
| Equity capital | 84,208,000 | 84,594,000 | 82,857,000 | 83,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 7,520,000 | 15,115,000 | 22,793,000 | 30,726,000 |
| Interest expense | 2,034,000 | 4,130,000 | 6,362,000 | 8,512,000 |
| Net interest income | 5,486,000 | 10,985,000 | 16,431,000 | 22,214,000 |
| Noninterest income | 19,963,000 | 38,385,000 | 50,535,000 | 59,837,000 |
| Noninterest expense | 20,942,000 | 40,270,000 | 54,370,000 | 65,784,000 |
| Provision for loan losses | 500,000 | 1,010,000 | 4,885,000 | 5,805,000 |
| Pretax income | 4,216,000 | 8,547,000 | 8,269,000 | 11,092,000 |
| Income tax | 1,624,000 | 3,088,000 | 2,738,000 | 4,059,000 |
| Net income | 2,592,000 | 5,459,000 | 5,531,000 | 7,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 82,143,000 | 84,714,000 | 84,490,000 | 85,245,000 |
| Total capital | 88,296,000 | 90,554,000 | 90,220,000 | 91,902,000 |
| Risk-weighted assets | 500,886,000 | 525,310,000 | 513,812,000 | 552,627,000 |