Call reports 2015
TOWN CENTER BANK — 2015
What TOWN CENTER BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 109,486,000 | 105,164,000 | 104,201,000 | 104,157,000 |
| Total loans | 58,469,000 | 61,050,000 | 60,737,000 | 62,717,000 |
| Allowance for loan losses | 1,212,000 | 1,374,000 | 1,407,000 | 1,339,000 |
| Securities available for sale | 37,318,000 | 33,387,000 | 30,149,000 | 32,733,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,457,000 | 93,729,000 | 92,437,000 | 92,648,000 |
| Interest-bearing deposits | 83,604,000 | 79,834,000 | 79,361,000 | 77,623,000 |
| Noninterest-bearing deposits | 13,852,000 | 13,895,000 | 13,077,000 | 15,025,000 |
| Equity capital | 9,816,000 | 9,267,000 | 9,593,000 | 9,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 930,000 | 1,842,000 | 2,756,000 | 3,727,000 |
| Interest expense | 154,000 | 307,000 | 459,000 | 606,000 |
| Net interest income | 776,000 | 1,535,000 | 2,297,000 | 3,121,000 |
| Noninterest income | 84,000 | 166,000 | 235,000 | 307,000 |
| Noninterest expense | 895,000 | 1,770,000 | 2,584,000 | 3,454,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -35,000 | -19,000 | 50,000 | 76,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -35,000 | -19,000 | 50,000 | 76,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,163,000 | 9,179,000 | 9,248,000 | 9,274,000 |
| Total capital | 10,037,000 | 10,123,000 | 10,195,000 | 10,228,000 |
| Risk-weighted assets | 69,594,000 | 75,110,000 | 75,273,000 | 75,945,000 |