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 | 680,253,000 | 717,671,000 | 789,210,000 | 812,086,000 |
| Total loans | 561,920,000 | 604,540,000 | 643,061,000 | 669,065,000 |
| Allowance for loan losses | 9,092,000 | 9,642,000 | 10,612,000 | 11,415,000 |
| Securities available for sale | 24,817,000 | 24,017,000 | 23,142,000 | 24,972,000 |
| Securities held to maturity | 15,983,000 | 15,992,000 | 16,001,000 | 16,010,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 587,380,000 | 614,646,000 | 687,341,000 | 708,498,000 |
| Interest-bearing deposits | 513,923,000 | 535,681,000 | 542,105,000 | 550,121,000 |
| Noninterest-bearing deposits | 73,457,000 | 78,965,000 | 145,236,000 | 158,377,000 |
| Equity capital | 57,999,000 | 86,816,000 | 90,479,000 | 92,435,000 |
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 | 6,948,000 | 15,053,000 | 23,518,000 | 32,548,000 |
| Interest expense | 1,272,000 | 2,783,000 | 4,223,000 | 5,633,000 |
| Net interest income | 5,676,000 | 12,270,000 | 19,295,000 | 26,915,000 |
| Noninterest income | 948,000 | 1,838,000 | 2,940,000 | 3,937,000 |
| Noninterest expense | 4,337,000 | 9,149,000 | 13,761,000 | 18,456,000 |
| Provision for loan losses | 591,000 | 1,346,000 | 2,316,000 | 3,119,000 |
| Pretax income | 1,696,000 | 3,613,000 | 6,158,000 | 9,277,000 |
| Income tax | 695,000 | 1,505,000 | 2,504,000 | 3,884,000 |
| Net income | 1,001,000 | 2,108,000 | 3,654,000 | 5,393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,173,000 | 87,172,000 | 90,677,000 | 92,746,000 |
| Total capital | 65,514,000 | 95,128,000 | 99,101,000 | 101,585,000 |
| Risk-weighted assets | 585,214,000 | 634,454,000 | 671,397,000 | 704,179,000 |