Call reports 2015
FIRST CHOICE BANK — 2015
What FIRST CHOICE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 277,691,000 | 265,284,000 | 264,491,000 | 264,057,000 |
| Total loans | 110,043,000 | 114,957,000 | 120,924,000 | 125,624,000 |
| Allowance for loan losses | 1,315,000 | 1,330,000 | 1,266,000 | 1,269,000 |
| Securities available for sale | 82,069,000 | 76,511,000 | 73,052,000 | 74,022,000 |
| Securities held to maturity | 28,763,000 | 28,534,000 | 28,131,000 | 27,628,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,118,000 | 226,580,000 | 225,104,000 | 225,628,000 |
| Interest-bearing deposits | 226,236,000 | 213,880,000 | 211,797,000 | 210,039,000 |
| Noninterest-bearing deposits | 12,882,000 | 12,700,000 | 13,307,000 | 15,589,000 |
| Equity capital | 35,338,000 | 35,512,000 | 36,301,000 | 35,318,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,290,000 | 4,622,000 | 7,049,000 | 9,493,000 |
| Interest expense | 239,000 | 471,000 | 706,000 | 920,000 |
| Net interest income | 2,051,000 | 4,151,000 | 6,343,000 | 8,573,000 |
| Noninterest income | 466,000 | 928,000 | 1,446,000 | 1,927,000 |
| Noninterest expense | 1,910,000 | 3,812,000 | 5,876,000 | 8,099,000 |
| Provision for loan losses | 90,000 | 135,000 | 135,000 | 180,000 |
| Pretax income | 524,000 | 1,140,000 | 1,786,000 | 2,233,000 |
| Income tax | 100,000 | 240,000 | 398,000 | 433,000 |
| Net income | 424,000 | 900,000 | 1,388,000 | 1,800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,302,000 | 35,776,000 | 36,266,000 | 35,627,000 |
| Total capital | 36,617,000 | 37,106,000 | 37,532,000 | 36,896,000 |
| Risk-weighted assets | 131,937,000 | 130,849,000 | 139,730,000 | 145,945,000 |