Call reports 2013
TOWN CENTER BANK — 2013
What TOWN CENTER BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 93,107,000 | 89,246,000 | 90,637,000 | 91,638,000 |
| Total loans | 65,813,000 | 64,432,000 | 61,646,000 | 58,304,000 |
| Allowance for loan losses | 2,582,000 | 2,599,000 | 2,240,000 | 2,027,000 |
| Securities available for sale | 16,035,000 | 16,483,000 | 21,839,000 | 21,455,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,470,000 | 79,996,000 | 81,426,000 | 82,583,000 |
| Interest-bearing deposits | 72,166,000 | 68,253,000 | 67,924,000 | 71,992,000 |
| Noninterest-bearing deposits | 11,304,000 | 11,743,000 | 13,502,000 | 10,590,000 |
| Equity capital | 9,217,000 | 8,849,000 | 8,816,000 | 8,701,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 890,000 | 1,774,000 | 2,641,000 | 3,491,000 |
| Interest expense | 122,000 | 244,000 | 360,000 | 478,000 |
| Net interest income | 768,000 | 1,530,000 | 2,281,000 | 3,013,000 |
| Noninterest income | 57,000 | 128,000 | 182,000 | 309,000 |
| Noninterest expense | 943,000 | 2,002,000 | 3,292,000 | 4,203,000 |
| Provision for loan losses | 0 | -145,000 | -578,000 | -637,000 |
| Pretax income | -118,000 | -187,000 | -239,000 | -220,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -118,000 | -187,000 | -239,000 | -220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,925,000 | 8,855,000 | 8,803,000 | 8,822,000 |
| Total capital | 9,850,000 | 9,786,000 | 9,688,000 | 9,677,000 |
| Risk-weighted assets | 72,350,000 | 72,790,000 | 69,458,000 | 67,201,000 |
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