Call reports 2009
TRAVERSE CITY STATE BANK — 2009
What TRAVERSE CITY STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 201,657,000 | 191,112,000 | 193,851,000 | 182,093,000 |
| Total loans | 142,998,000 | 138,804,000 | 135,779,000 | 132,091,000 |
| Allowance for loan losses | 2,504,000 | 2,317,000 | 2,698,000 | 3,292,000 |
| Securities available for sale | 31,084,000 | 25,710,000 | 25,517,000 | 22,786,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,012,000 | 153,322,000 | 157,481,000 | 147,631,000 |
| Interest-bearing deposits | 134,163,000 | 123,980,000 | 124,418,000 | 119,246,000 |
| Noninterest-bearing deposits | 28,849,000 | 29,342,000 | 33,063,000 | 28,385,000 |
| Equity capital | 14,471,000 | 14,677,000 | 14,420,000 | 14,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,564,000 | 4,909,000 | 7,208,000 | 9,479,000 |
| Interest expense | 1,172,000 | 2,334,000 | 3,392,000 | 4,286,000 |
| Net interest income | 1,392,000 | 2,575,000 | 3,816,000 | 5,193,000 |
| Noninterest income | 971,000 | 2,234,000 | 2,841,000 | 3,619,000 |
| Noninterest expense | 2,026,000 | 4,111,000 | 6,151,000 | 8,403,000 |
| Provision for loan losses | 584,000 | 1,468,000 | 2,043,000 | 3,743,000 |
| Pretax income | -143,000 | -459,000 | -1,010,000 | -2,696,000 |
| Income tax | -97,000 | -211,000 | -430,000 | -1,088,000 |
| Net income | -46,000 | -248,000 | -580,000 | -1,608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,716,000 | 10,344,000 | 10,003,000 | 9,579,000 |
| Total capital | 16,601,000 | 17,234,000 | 16,845,000 | 15,734,000 |
| Risk-weighted assets | 150,147,000 | 143,752,000 | 142,626,000 | 138,078,000 |
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