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 | 260,397,000 | 271,405,000 | 286,102,000 | 334,334,000 |
| Total loans | 138,441,000 | 138,332,000 | 172,408,000 | 201,358,000 |
| Allowance for loan losses | 2,501,000 | 2,559,000 | 2,689,000 | 3,255,000 |
| Securities available for sale | 90,573,000 | 96,040,000 | 90,585,000 | 98,357,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,658,000 | 236,629,000 | 250,680,000 | 289,848,000 |
| Interest-bearing deposits | 209,046,000 | 220,540,000 | 231,082,000 | 263,031,000 |
| Noninterest-bearing deposits | 16,612,000 | 16,089,000 | 19,598,000 | 26,817,000 |
| Equity capital | 25,902,000 | 26,373,000 | 26,975,000 | 33,094,000 |
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 | 2,431,000 | 5,001,000 | 7,861,000 | 11,425,000 |
| Interest expense | 653,000 | 1,331,000 | 2,025,000 | 2,728,000 |
| Net interest income | 1,778,000 | 3,670,000 | 5,836,000 | 8,697,000 |
| Noninterest income | 30,000 | 56,000 | 355,000 | 1,673,000 |
| Noninterest expense | 1,134,000 | 2,370,000 | 3,766,000 | 5,461,000 |
| Provision for loan losses | 146,000 | 204,000 | 334,000 | 1,090,000 |
| Pretax income | 700,000 | 1,340,000 | 2,281,000 | 4,281,000 |
| Income tax | 292,000 | 540,000 | 916,000 | 1,709,000 |
| Net income | 408,000 | 800,000 | 1,365,000 | 2,572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,339,000 | 25,725,000 | 26,283,000 | 32,630,000 |
| Total capital | 27,262,000 | 27,660,000 | 28,651,000 | 35,472,000 |
| Risk-weighted assets | 153,193,000 | 154,139,000 | 189,140,000 | 226,822,000 |