Call reports 2008
TOWN CENTER BANK — 2008
What TOWN CENTER BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 105,060,000 | 111,834,000 | 118,173,000 | 123,336,000 |
| Total loans | 73,687,000 | 78,434,000 | 82,895,000 | 88,951,000 |
| Allowance for loan losses | 920,000 | 980,000 | 1,035,000 | 2,282,000 |
| Securities available for sale | 27,260,000 | 29,421,000 | 29,917,000 | 31,605,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,297,000 | 75,156,000 | 81,726,000 | 75,539,000 |
| Interest-bearing deposits | 57,112,000 | 62,692,000 | 68,656,000 | 62,901,000 |
| Noninterest-bearing deposits | 10,185,000 | 12,464,000 | 13,070,000 | 12,638,000 |
| Equity capital | 19,422,000 | 19,008,000 | 19,407,000 | 18,639,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,365,000 | 2,823,000 | 4,345,000 | 5,833,000 |
| Interest expense | 624,000 | 1,263,000 | 1,897,000 | 2,512,000 |
| Net interest income | 741,000 | 1,560,000 | 2,448,000 | 3,321,000 |
| Noninterest income | 70,000 | 149,000 | 200,000 | 272,000 |
| Noninterest expense | 797,000 | 1,583,000 | 2,363,000 | 3,193,000 |
| Provision for loan losses | 133,000 | 193,000 | 248,000 | 1,520,000 |
| Pretax income | -119,000 | -52,000 | 61,000 | -1,083,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -119,000 | -52,000 | 61,000 | -1,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,042,000 | 19,173,000 | 19,351,000 | 18,276,000 |
| Total capital | 19,962,000 | 20,153,000 | 20,386,000 | 19,530,000 |
| Risk-weighted assets | 82,118,000 | 88,439,000 | 91,951,000 | 98,508,000 |
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