Call reports 2021
TOWN CENTER BANK — 2021
What TOWN CENTER BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 157,420,000 | 152,122,000 | 152,832,000 | 149,349,000 |
| Total loans | 119,370,000 | 113,694,000 | 109,996,000 | 106,533,000 |
| Allowance for loan losses | 1,155,000 | 1,171,000 | 1,187,000 | 1,143,000 |
| Securities available for sale | 12,610,000 | 13,368,000 | 14,558,000 | 13,053,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,443,000 | 115,501,000 | 119,490,000 | 125,594,000 |
| Interest-bearing deposits | 69,578,000 | 71,549,000 | 74,873,000 | 82,533,000 |
| Noninterest-bearing deposits | 47,865,000 | 43,952,000 | 44,617,000 | 43,061,000 |
| Equity capital | 15,481,000 | 15,725,000 | 16,224,000 | 16,485,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,574,000 | 3,138,000 | 5,057,000 | 6,642,000 |
| Interest expense | 130,000 | 240,000 | 333,000 | 406,000 |
| Net interest income | 1,444,000 | 2,898,000 | 4,724,000 | 6,236,000 |
| Noninterest income | 76,000 | 141,000 | 238,000 | 345,000 |
| Noninterest expense | 991,000 | 2,100,000 | 3,233,000 | 4,269,000 |
| Provision for loan losses | 20,000 | 35,000 | 50,000 | 65,000 |
| Pretax income | 509,000 | 904,000 | 1,679,000 | 2,247,000 |
| Income tax | 144,000 | 252,000 | 471,000 | 639,000 |
| Net income | 365,000 | 652,000 | 1,208,000 | 1,608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,691,000 | 13,230,000 | 14,005,000 | 14,280,000 |
| Total capital | 13,806,000 | 14,321,000 | 15,192,000 | 15,423,000 |
| Risk-weighted assets | 89,180,000 | 87,211,000 | 96,902,000 | 97,544,000 |
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