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 | 93,537,000 | 103,067,000 | 133,018,000 | 147,845,000 |
| Total loans | 72,091,000 | 76,764,000 | 86,346,000 | 84,857,000 |
| Allowance for loan losses | 916,000 | 1,005,000 | 1,541,000 | 1,581,000 |
| Securities available for sale | 9,891,000 | 15,773,000 | 29,372,000 | 44,793,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,478,000 | 82,264,000 | 112,649,000 | 124,968,000 |
| Interest-bearing deposits | 64,373,000 | 75,069,000 | 105,471,000 | 116,903,000 |
| Noninterest-bearing deposits | 8,105,000 | 7,195,000 | 7,178,000 | 8,065,000 |
| Equity capital | 13,775,000 | 13,498,000 | 12,945,000 | 15,570,000 |
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 | 1,195,000 | 2,507,000 | 4,039,000 | 5,836,000 |
| Interest expense | 531,000 | 1,051,000 | 1,641,000 | 2,283,000 |
| Net interest income | 664,000 | 1,456,000 | 2,398,000 | 3,553,000 |
| Noninterest income | 13,000 | 26,000 | -157,000 | -113,000 |
| Noninterest expense | 789,000 | 1,661,000 | 2,487,000 | 3,445,000 |
| Provision for loan losses | 18,000 | 107,000 | 762,000 | 800,000 |
| Pretax income | -130,000 | -286,000 | -1,008,000 | -805,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -130,000 | -286,000 | -1,008,000 | -805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,694,000 | 13,521,000 | 12,796,000 | 15,826,000 |
| Total capital | 14,621,000 | 14,537,000 | 14,059,000 | 17,067,000 |
| Risk-weighted assets | 82,114,000 | 86,157,000 | 100,739,000 | 98,880,000 |
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