Call reports 2012
FIRST CHOICE BANK — 2012
What FIRST CHOICE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 256,484,000 | 252,641,000 | 245,000,000 | 248,699,000 |
| Total loans | 95,730,000 | 99,574,000 | 101,639,000 | 101,448,000 |
| Allowance for loan losses | 1,399,000 | 1,524,000 | 1,548,000 | 1,615,000 |
| Securities available for sale | 73,104,000 | 77,119,000 | 72,095,000 | 74,650,000 |
| Securities held to maturity | 33,389,000 | 32,191,000 | 32,071,000 | 31,796,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,465,000 | 215,088,000 | 207,124,000 | 211,533,000 |
| Interest-bearing deposits | 195,026,000 | 190,775,000 | 185,060,000 | 185,692,000 |
| Noninterest-bearing deposits | 24,440,000 | 24,313,000 | 22,064,000 | 25,841,000 |
| Equity capital | 33,310,000 | 33,778,000 | 34,225,000 | 33,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,197,000 | 4,390,000 | 6,615,000 | 8,937,000 |
| Interest expense | 420,000 | 844,000 | 1,183,000 | 1,499,000 |
| Net interest income | 1,777,000 | 3,546,000 | 5,432,000 | 7,438,000 |
| Noninterest income | 457,000 | 888,000 | 1,443,000 | 1,992,000 |
| Noninterest expense | 1,718,000 | 3,440,000 | 5,275,000 | 7,244,000 |
| Provision for loan losses | 70,000 | 255,000 | 360,000 | 430,000 |
| Pretax income | 446,000 | 739,000 | 1,240,000 | 1,756,000 |
| Income tax | 21,000 | 31,000 | 150,000 | 283,000 |
| Net income | 425,000 | 708,000 | 1,090,000 | 1,473,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,856,000 | 33,231,000 | 33,521,000 | 32,870,000 |
| Total capital | 34,255,000 | 34,746,000 | 35,047,000 | 34,400,000 |
| Risk-weighted assets | 116,685,000 | 121,225,000 | 122,063,000 | 122,344,000 |