Call reports 2007
TRAVERSE CITY STATE BANK — 2007
What TRAVERSE CITY STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 191,425,000 | 191,016,000 | 195,515,000 | 195,696,000 |
| Total loans | 153,367,000 | 151,172,000 | 151,063,000 | 148,230,000 |
| Allowance for loan losses | 1,778,000 | 1,774,000 | 1,791,000 | 1,603,000 |
| Securities available for sale | 22,844,000 | 23,701,000 | 32,241,000 | 32,581,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,638,000 | 169,590,000 | 171,581,000 | 162,621,000 |
| Interest-bearing deposits | 143,273,000 | 138,657,000 | 140,352,000 | 135,264,000 |
| Noninterest-bearing deposits | 25,365,000 | 30,933,000 | 31,229,000 | 27,357,000 |
| Equity capital | 16,616,000 | 16,635,000 | 16,877,000 | 17,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,391,000 | 6,775,000 | 10,249,000 | 13,577,000 |
| Interest expense | 1,604,000 | 3,203,000 | 4,840,000 | 6,510,000 |
| Net interest income | 1,787,000 | 3,572,000 | 5,409,000 | 7,067,000 |
| Noninterest income | 386,000 | 879,000 | 1,333,000 | 1,969,000 |
| Noninterest expense | 2,043,000 | 4,143,000 | 6,102,000 | 8,093,000 |
| Provision for loan losses | 28,000 | 28,000 | 163,000 | 468,000 |
| Pretax income | 97,000 | 275,000 | 472,000 | 475,000 |
| Income tax | 5,000 | 27,000 | 50,000 | -31,000 |
| Net income | 92,000 | 248,000 | 422,000 | 506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,211,000 | 14,372,000 | 14,554,000 | 14,641,000 |
| Total capital | 15,989,000 | 16,146,000 | 16,345,000 | 16,244,000 |
| Risk-weighted assets | 156,915,000 | 156,264,000 | 158,439,000 | 155,760,000 |
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