Call reports 2004
FIRST CHOICE BANK — 2004
What FIRST CHOICE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 209,040,000 | 205,844,000 | 203,955,000 | 201,266,000 |
| Total loans | 137,132,000 | 139,830,000 | 140,371,000 | 141,425,000 |
| Allowance for loan losses | 1,966,000 | 1,970,000 | 2,179,000 | 2,448,000 |
| Securities available for sale | 33,561,000 | 31,980,000 | 30,935,000 | 31,366,000 |
| Securities held to maturity | 10,730,000 | 10,117,000 | 9,586,000 | 9,444,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,408,000 | 175,100,000 | 172,476,000 | 170,201,000 |
| Interest-bearing deposits | 152,020,000 | 149,537,000 | 148,444,000 | 145,808,000 |
| Noninterest-bearing deposits | 26,388,000 | 25,563,000 | 24,032,000 | 24,393,000 |
| Equity capital | 29,676,000 | 30,013,000 | 30,875,000 | 30,367,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,866,000 | 5,801,000 | 8,763,000 | 11,778,000 |
| Interest expense | 666,000 | 1,330,000 | 1,997,000 | 2,679,000 |
| Net interest income | 2,200,000 | 4,471,000 | 6,766,000 | 9,099,000 |
| Noninterest income | 460,000 | 950,000 | 1,487,000 | 2,011,000 |
| Noninterest expense | 1,286,000 | 2,609,000 | 3,993,000 | 5,470,000 |
| Provision for loan losses | 280,000 | 616,000 | 1,036,000 | 1,476,000 |
| Pretax income | 1,094,000 | 2,202,000 | 3,230,000 | 4,170,000 |
| Income tax | 337,000 | 701,000 | 1,047,000 | 1,377,000 |
| Net income | 757,000 | 1,501,000 | 2,183,000 | 2,793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,143,000 | 29,896,000 | 30,588,000 | 30,197,000 |
| Total capital | 30,827,000 | 31,597,000 | 32,294,000 | 31,895,000 |
| Risk-weighted assets | 134,452,000 | 135,788,000 | 136,001,000 | 135,079,000 |