Call reports 2014
TOWN CENTER BANK — 2014
What TOWN CENTER BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 101,865,000 | 106,144,000 | 106,703,000 | 110,476,000 |
| Total loans | 61,429,000 | 65,269,000 | 66,410,000 | 58,061,000 |
| Allowance for loan losses | 2,002,000 | 1,934,000 | 1,900,000 | 1,260,000 |
| Securities available for sale | 32,104,000 | 29,919,000 | 34,921,000 | 36,347,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,815,000 | 96,783,000 | 95,270,000 | 96,603,000 |
| Interest-bearing deposits | 81,078,000 | 83,305,000 | 83,123,000 | 84,308,000 |
| Noninterest-bearing deposits | 11,737,000 | 13,478,000 | 12,147,000 | 12,294,000 |
| Equity capital | 8,751,000 | 9,107,000 | 9,207,000 | 9,510,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 883,000 | 1,839,000 | 2,864,000 | 3,858,000 |
| Interest expense | 128,000 | 279,000 | 433,000 | 595,000 |
| Net interest income | 755,000 | 1,560,000 | 2,431,000 | 3,263,000 |
| Noninterest income | 46,000 | 111,000 | 195,000 | 249,000 |
| Noninterest expense | 808,000 | 1,657,000 | 2,495,000 | 3,594,000 |
| Provision for loan losses | -17,000 | -33,000 | -33,000 | -236,000 |
| Pretax income | 10,000 | 175,000 | 292,000 | 376,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 10,000 | 175,000 | 292,000 | 376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,832,000 | 8,997,000 | 9,114,000 | 9,198,000 |
| Total capital | 9,746,000 | 9,949,000 | 10,092,000 | 10,051,000 |
| Risk-weighted assets | 72,025,000 | 75,146,000 | 77,356,000 | 67,873,000 |
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