Call reports 2025
TOWN CENTER BANK — 2025
What TOWN CENTER BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 168,511,000 | 162,427,000 | 169,155,000 | 179,361,000 |
| Total loans | 114,524,000 | 125,522,000 | 128,007,000 | 132,183,000 |
| Allowance for loan losses | 1,417,000 | 1,408,000 | 1,434,000 | 1,445,000 |
| Securities available for sale | 21,033,000 | 20,762,000 | 16,624,000 | 16,062,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,858,000 | 121,302,000 | 121,551,000 | 134,258,000 |
| Interest-bearing deposits | 93,378,000 | 86,075,000 | 87,559,000 | 101,404,000 |
| Noninterest-bearing deposits | 34,480,000 | 35,227,000 | 33,992,000 | 32,854,000 |
| Equity capital | 19,052,000 | 19,425,000 | 19,837,000 | 20,329,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,407,000 | 4,874,000 | 7,376,000 | 9,979,000 |
| Interest expense | 877,000 | 1,785,000 | 2,609,000 | 3,479,000 |
| Net interest income | 1,530,000 | 3,089,000 | 4,767,000 | 6,500,000 |
| Noninterest income | 137,000 | 264,000 | 420,000 | 557,000 |
| Noninterest expense | 1,190,000 | 2,374,000 | 3,565,000 | 4,756,000 |
| Provision for loan losses | 0 | 12,000 | 38,000 | 70,000 |
| Pretax income | 477,000 | 967,000 | 1,584,000 | 2,231,000 |
| Income tax | 143,000 | 290,000 | 475,000 | 669,000 |
| Net income | 334,000 | 677,000 | 1,109,000 | 1,562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,396,000 | 18,871,000 | 19,281,000 | 19,759,000 |
| Total capital | 19,813,000 | 20,279,000 | 20,715,000 | 21,204,000 |
| Risk-weighted assets | 130,512,000 | 140,191,000 | 145,348,000 | 148,612,000 |