Call reports 2005
FIRST CHOICE BANK — 2005
What FIRST CHOICE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 212,635,000 | 204,813,000 | 205,244,000 | 210,407,000 |
| Total loans | 142,427,000 | 146,145,000 | 146,802,000 | 143,509,000 |
| Allowance for loan losses | 3,891,000 | 3,697,000 | 3,463,000 | 3,789,000 |
| Securities available for sale | 33,364,000 | 31,938,000 | 30,245,000 | 33,281,000 |
| Securities held to maturity | 9,566,000 | 9,343,000 | 9,389,000 | 10,011,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,248,000 | 172,866,000 | 174,050,000 | 178,643,000 |
| Interest-bearing deposits | 151,643,000 | 144,594,000 | 146,543,000 | 151,104,000 |
| Noninterest-bearing deposits | 29,605,000 | 28,272,000 | 27,507,000 | 27,539,000 |
| Equity capital | 29,205,000 | 29,797,000 | 29,186,000 | 29,534,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,842,000 | 5,672,000 | 8,722,000 | 11,943,000 |
| Interest expense | 727,000 | 1,534,000 | 2,403,000 | 3,408,000 |
| Net interest income | 2,115,000 | 4,138,000 | 6,319,000 | 8,535,000 |
| Noninterest income | 522,000 | 1,112,000 | 1,704,000 | 2,268,000 |
| Noninterest expense | 1,304,000 | 2,655,000 | 4,010,000 | 5,324,000 |
| Provision for loan losses | 1,773,000 | 2,283,000 | 4,641,000 | 5,465,000 |
| Pretax income | -432,000 | 319,000 | -621,000 | 21,000 |
| Income tax | -201,000 | 72,000 | -349,000 | -148,000 |
| Net income | -231,000 | 247,000 | -272,000 | 169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,274,000 | 29,761,000 | 29,251,000 | 29,701,000 |
| Total capital | 31,017,000 | 31,518,000 | 31,022,000 | 31,456,000 |
| Risk-weighted assets | 137,321,000 | 138,622,000 | 140,017,000 | 138,357,000 |