Call reports 2006
FIRST CHOICE BANK — 2006
What FIRST CHOICE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 210,502,000 | 206,980,000 | 202,200,000 | 202,987,000 |
| Total loans | 137,159,000 | 135,361,000 | 132,455,000 | 127,129,000 |
| Allowance for loan losses | 2,899,000 | 3,100,000 | 3,103,000 | 2,964,000 |
| Securities available for sale | 36,851,000 | 37,690,000 | 36,788,000 | 34,237,000 |
| Securities held to maturity | 10,257,000 | 10,077,000 | 9,477,000 | 9,979,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,192,000 | 174,249,000 | 168,670,000 | 170,543,000 |
| Interest-bearing deposits | 147,853,000 | 144,155,000 | 143,338,000 | 154,189,000 |
| Noninterest-bearing deposits | 30,339,000 | 30,094,000 | 25,332,000 | 16,354,000 |
| Equity capital | 29,995,000 | 30,360,000 | 30,950,000 | 29,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,184,000 | 6,510,000 | 9,925,000 | 13,324,000 |
| Interest expense | 1,064,000 | 2,156,000 | 3,333,000 | 4,619,000 |
| Net interest income | 2,120,000 | 4,354,000 | 6,592,000 | 8,705,000 |
| Noninterest income | 545,000 | 1,079,000 | 1,602,000 | 2,076,000 |
| Noninterest expense | 1,371,000 | 2,809,000 | 4,314,000 | 5,612,000 |
| Provision for loan losses | 515,000 | 1,075,000 | 1,820,000 | 2,330,000 |
| Pretax income | 779,000 | 1,549,000 | 2,060,000 | 2,839,000 |
| Income tax | 252,000 | 491,000 | 639,000 | 883,000 |
| Net income | 527,000 | 1,058,000 | 1,421,000 | 1,956,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,236,000 | 30,776,000 | 31,146,000 | 30,111,000 |
| Total capital | 31,938,000 | 32,459,000 | 32,792,000 | 31,762,000 |
| Risk-weighted assets | 134,962,000 | 133,235,000 | 130,219,000 | 130,730,000 |