Call reports 2009
FIRST CHOICE BANK — 2009
What FIRST CHOICE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 220,212,000 | 226,538,000 | 231,675,000 | 219,924,000 |
| Total loans | 107,938,000 | 106,698,000 | 105,455,000 | 102,393,000 |
| Allowance for loan losses | 2,566,000 | 2,437,000 | 2,237,000 | 2,128,000 |
| Securities available for sale | 64,097,000 | 72,926,000 | 67,313,000 | 62,913,000 |
| Securities held to maturity | 11,111,000 | 19,514,000 | 23,800,000 | 28,359,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,308,000 | 192,879,000 | 197,803,000 | 186,749,000 |
| Interest-bearing deposits | 154,770,000 | 163,756,000 | 160,007,000 | 113,007,000 |
| Noninterest-bearing deposits | 31,538,000 | 29,124,000 | 37,796,000 | 73,742,000 |
| Equity capital | 30,819,000 | 31,097,000 | 31,738,000 | 31,169,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,462,000 | 4,976,000 | 7,502,000 | 9,936,000 |
| Interest expense | 866,000 | 1,702,000 | 2,544,000 | 3,299,000 |
| Net interest income | 1,596,000 | 3,274,000 | 4,958,000 | 6,637,000 |
| Noninterest income | 294,000 | 691,000 | 1,161,000 | 1,658,000 |
| Noninterest expense | 1,583,000 | 3,073,000 | 4,755,000 | 6,371,000 |
| Provision for loan losses | 200,000 | 300,000 | 375,000 | 450,000 |
| Pretax income | 107,000 | 592,000 | 989,000 | 1,474,000 |
| Income tax | 0 | 75,000 | 151,000 | 251,000 |
| Net income | 107,000 | 517,000 | 838,000 | 1,223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,255,000 | 30,675,000 | 31,005,000 | 30,538,000 |
| Total capital | 31,711,000 | 32,160,000 | 32,482,000 | 31,983,000 |
| Risk-weighted assets | 115,352,000 | 117,837,000 | 117,395,000 | 114,901,000 |