Call reports 2020
TOWN CENTER BANK — 2020
What TOWN CENTER BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 107,327,000 | 160,856,000 | 155,697,000 | 156,070,000 |
| Total loans | 83,964,000 | 120,125,000 | 119,890,000 | 110,665,000 |
| Allowance for loan losses | 876,000 | 941,000 | 1,069,000 | 1,134,000 |
| Securities available for sale | 18,502,000 | 17,552,000 | 15,860,000 | 14,193,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,563,000 | 100,078,000 | 97,436,000 | 106,598,000 |
| Interest-bearing deposits | 68,156,000 | 67,944,000 | 65,900,000 | 68,147,000 |
| Noninterest-bearing deposits | 17,407,000 | 32,134,000 | 31,536,000 | 38,451,000 |
| Equity capital | 14,138,000 | 14,926,000 | 15,183,000 | 15,221,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,191,000 | 2,570,000 | 3,945,000 | 5,566,000 |
| Interest expense | 256,000 | 492,000 | 716,000 | 895,000 |
| Net interest income | 935,000 | 2,078,000 | 3,229,000 | 4,671,000 |
| Noninterest income | 100,000 | 190,000 | 331,000 | 448,000 |
| Noninterest expense | 917,000 | 1,799,000 | 2,794,000 | 3,862,000 |
| Provision for loan losses | 40,000 | 100,000 | 160,000 | 220,000 |
| Pretax income | 78,000 | 389,000 | 626,000 | 1,057,000 |
| Income tax | 0 | 0 | 0 | 328,000 |
| Net income | 78,000 | 389,000 | 626,000 | 729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,070,000 | 11,506,000 | 11,744,000 | 12,231,000 |
| Total capital | 11,946,000 | 12,447,000 | 12,813,000 | 13,365,000 |
| Risk-weighted assets | 99,540,000 | 90,142,000 | 90,658,000 | 91,829,000 |
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