Call reports 2002
FIRST CHOICE BANK — 2002
What FIRST CHOICE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 199,157,000 | 197,310,000 | 195,755,000 | 197,462,000 |
| Total loans | 119,085,000 | 124,077,000 | 128,887,000 | 129,697,000 |
| Allowance for loan losses | 1,464,000 | 1,414,000 | 1,426,000 | 1,476,000 |
| Securities available for sale | 34,320,000 | 35,495,000 | 34,424,000 | 31,469,000 |
| Securities held to maturity | 16,961,000 | 17,390,000 | 16,322,000 | 14,375,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,915,000 | 167,045,000 | 164,560,000 | 166,537,000 |
| Interest-bearing deposits | 147,512,000 | 144,801,000 | 143,219,000 | 144,308,000 |
| Noninterest-bearing deposits | 22,403,000 | 22,244,000 | 21,342,000 | 22,229,000 |
| Equity capital | 28,012,000 | 29,121,000 | 30,111,000 | 29,906,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,023,000 | 6,103,000 | 9,275,000 | 12,374,000 |
| Interest expense | 1,082,000 | 2,047,000 | 2,958,000 | 3,833,000 |
| Net interest income | 1,941,000 | 4,056,000 | 6,317,000 | 8,541,000 |
| Noninterest income | 387,000 | 853,000 | 1,343,000 | 1,812,000 |
| Noninterest expense | 1,162,000 | 2,415,000 | 3,589,000 | 4,989,000 |
| Provision for loan losses | 219,000 | 400,000 | 830,000 | 1,010,000 |
| Pretax income | 947,000 | 2,106,000 | 3,254,000 | 4,367,000 |
| Income tax | 285,000 | 658,000 | 1,011,000 | 1,364,000 |
| Net income | 662,000 | 1,448,000 | 2,243,000 | 3,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,745,000 | 28,540,000 | 29,317,000 | 29,135,000 |
| Total capital | 29,209,000 | 29,954,000 | 30,743,000 | 30,611,000 |
| Risk-weighted assets | 122,188,000 | 124,460,000 | 127,519,000 | 127,940,000 |