Call reports 2015
FIRST CHOICE BANK — 2015
What FIRST CHOICE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,180,246,000 | 1,205,001,000 | 1,157,521,000 | 1,122,802,000 |
| Total loans | 587,478,000 | 621,510,000 | 567,275,000 | 539,489,000 |
| Allowance for loan losses | 14,266,000 | 13,541,000 | 13,081,000 | 12,852,000 |
| Securities available for sale | 131,906,000 | 130,156,000 | 121,455,000 | 101,882,000 |
| Securities held to maturity | 393,759,000 | 392,157,000 | 400,070,000 | 415,275,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 936,231,000 | 925,729,000 | 937,179,000 | 901,600,000 |
| Interest-bearing deposits | 888,032,000 | 879,494,000 | 889,880,000 | 860,638,000 |
| Noninterest-bearing deposits | 48,199,000 | 46,235,000 | 47,299,000 | 40,962,000 |
| Equity capital | 102,268,000 | 102,152,000 | 103,902,000 | 101,572,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 9,143,000 | 18,537,000 | 28,015,000 | 36,834,000 |
| Interest expense | 2,260,000 | 4,525,000 | 6,732,000 | 8,841,000 |
| Net interest income | 6,883,000 | 14,012,000 | 21,283,000 | 27,993,000 |
| Noninterest income | 19,997,000 | 42,010,000 | 60,558,000 | 70,638,000 |
| Noninterest expense | 23,125,000 | 48,402,000 | 70,543,000 | 90,218,000 |
| Provision for loan losses | 1,875,000 | 3,931,000 | 5,416,000 | 5,298,000 |
| Pretax income | 1,880,000 | 3,689,000 | 5,893,000 | 3,237,000 |
| Income tax | 667,000 | 1,418,000 | 2,195,000 | 895,000 |
| Net income | 1,213,000 | 2,271,000 | 3,698,000 | 2,342,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,815,000 | 101,527,000 | 102,925,000 | 100,860,000 |
| Total capital | 107,821,000 | 109,748,000 | 110,679,000 | 108,213,000 |
| Risk-weighted assets | 631,616,000 | 651,563,000 | 614,520,000 | 581,910,000 |