Call reports 2009
TOWN CENTER BANK — 2009
What TOWN CENTER BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 128,489,000 | 134,848,000 | 143,294,000 | 148,786,000 |
| Total loans | 86,960,000 | 90,627,000 | 89,936,000 | 92,223,000 |
| Allowance for loan losses | 2,101,000 | 2,125,000 | 1,512,000 | 1,687,000 |
| Securities available for sale | 37,791,000 | 40,343,000 | 45,836,000 | 46,224,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,481,000 | 92,906,000 | 102,667,000 | 107,106,000 |
| Interest-bearing deposits | 78,551,000 | 80,996,000 | 90,337,000 | 92,875,000 |
| Noninterest-bearing deposits | 12,930,000 | 11,911,000 | 12,330,000 | 14,230,000 |
| Equity capital | 17,850,000 | 18,030,000 | 18,012,000 | 18,209,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,428,000 | 2,967,000 | 4,562,000 | 6,129,000 |
| Interest expense | 526,000 | 1,084,000 | 1,655,000 | 2,230,000 |
| Net interest income | 902,000 | 1,883,000 | 2,907,000 | 3,899,000 |
| Noninterest income | 101,000 | 243,000 | 319,000 | 454,000 |
| Noninterest expense | 870,000 | 1,782,000 | 2,618,000 | 3,454,000 |
| Provision for loan losses | 1,225,000 | 1,274,000 | 1,972,000 | 2,173,000 |
| Pretax income | -1,092,000 | -930,000 | -1,328,000 | -1,074,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,092,000 | -930,000 | -1,328,000 | -1,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,252,000 | 17,483,000 | 17,147,000 | 17,403,000 |
| Total capital | 18,507,000 | 18,776,000 | 18,447,000 | 18,747,000 |
| Risk-weighted assets | 99,587,000 | 102,638,000 | 103,809,000 | 107,214,000 |
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