Call reports 2007
TOWN CENTER BANK — 2007
What TOWN CENTER BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 60,278,000 | 66,469,000 | 72,360,000 | 85,093,000 |
| Total loans | 20,482,000 | 35,542,000 | 50,110,000 | 62,988,000 |
| Allowance for loan losses | 256,000 | 445,000 | 626,000 | 788,000 |
| Securities available for sale | 7,991,000 | 17,539,000 | 17,612,000 | 19,881,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,387,000 | 46,743,000 | 52,662,000 | 62,381,000 |
| Interest-bearing deposits | 35,903,000 | 39,907,000 | 43,795,000 | 53,667,000 |
| Noninterest-bearing deposits | 4,484,000 | 6,836,000 | 8,867,000 | 8,714,000 |
| Equity capital | 19,492,000 | 19,214,000 | 19,181,000 | 19,254,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 696,000 | 1,647,000 | 2,767,000 | 4,025,000 |
| Interest expense | 331,000 | 788,000 | 1,289,000 | 1,853,000 |
| Net interest income | 365,000 | 859,000 | 1,478,000 | 2,172,000 |
| Noninterest income | 39,000 | 76,000 | 102,000 | 141,000 |
| Noninterest expense | 691,000 | 1,346,000 | 2,054,000 | 2,806,000 |
| Provision for loan losses | 140,000 | 329,000 | 510,000 | 672,000 |
| Pretax income | -427,000 | -740,000 | -983,000 | -1,164,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -427,000 | -740,000 | -983,000 | -1,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,498,000 | 19,276,000 | 19,204,000 | 19,089,000 |
| Total capital | 19,754,000 | 19,721,000 | 19,830,000 | 19,877,000 |
| Risk-weighted assets | 31,240,000 | 41,488,000 | 57,274,000 | 71,495,000 |
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