Call reports 2025
FIRST CHOICE BANK — 2025
What FIRST CHOICE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 512,869,000 | 499,952,000 | 498,974,000 | 515,750,000 |
| Total loans | 327,682,000 | 341,397,000 | 349,719,000 | 358,471,000 |
| Allowance for loan losses | 3,893,000 | 3,973,000 | 4,118,000 | 4,128,000 |
| Securities available for sale | 122,241,000 | 115,047,000 | 108,871,000 | 104,890,000 |
| Securities held to maturity | 25,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 466,898,000 | 451,873,000 | 447,720,000 | 465,387,000 |
| Interest-bearing deposits | 409,408,000 | 395,163,000 | 389,793,000 | 405,040,000 |
| Noninterest-bearing deposits | 57,490,000 | 56,710,000 | 57,927,000 | 60,347,000 |
| Equity capital | 40,934,000 | 42,983,000 | 45,798,000 | 45,022,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,809,000 | 13,928,000 | 21,336,000 | 28,806,000 |
| Interest expense | 2,839,000 | 5,503,000 | 8,381,000 | 11,262,000 |
| Net interest income | 3,970,000 | 8,425,000 | 12,955,000 | 17,544,000 |
| Noninterest income | 878,000 | 1,733,000 | 2,606,000 | 3,404,000 |
| Noninterest expense | 3,514,000 | 7,025,000 | 10,920,000 | 15,037,000 |
| Provision for loan losses | 170,000 | 301,000 | 451,000 | 521,000 |
| Pretax income | 1,157,000 | 2,798,000 | 4,148,000 | 5,348,000 |
| Income tax | 238,000 | 628,000 | 876,000 | 1,103,000 |
| Net income | 919,000 | 2,170,000 | 3,272,000 | 4,245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,695,000 | 51,953,000 | 53,058,000 | 51,834,000 |