Call reports 2010
TRAVERSE CITY STATE BANK — 2010
What TRAVERSE CITY STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 180,083,000 | 185,783,000 | 185,934,000 | 178,836,000 |
| Total loans | 134,633,000 | 136,333,000 | 133,733,000 | 134,028,000 |
| Allowance for loan losses | 3,448,000 | 2,982,000 | 2,946,000 | 3,580,000 |
| Securities available for sale | 21,748,000 | 20,170,000 | 19,895,000 | 20,405,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,582,000 | 157,395,000 | 156,368,000 | 149,231,000 |
| Interest-bearing deposits | 123,387,000 | 125,975,000 | 124,759,000 | 107,330,000 |
| Noninterest-bearing deposits | 28,195,000 | 31,420,000 | 31,609,000 | 41,901,000 |
| Equity capital | 15,078,000 | 15,211,000 | 17,055,000 | 17,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,243,000 | 4,458,000 | 6,711,000 | 8,900,000 |
| Interest expense | 770,000 | 1,503,000 | 2,216,000 | 2,825,000 |
| Net interest income | 1,473,000 | 2,955,000 | 4,495,000 | 6,075,000 |
| Noninterest income | 545,000 | 1,242,000 | 2,439,000 | 3,615,000 |
| Noninterest expense | 1,941,000 | 3,839,000 | 5,690,000 | 7,715,000 |
| Provision for loan losses | 135,000 | 305,000 | 895,000 | 2,148,000 |
| Pretax income | -29,000 | 77,000 | 381,000 | -120,000 |
| Income tax | -44,000 | -27,000 | 54,000 | -139,000 |
| Net income | 15,000 | 104,000 | 327,000 | 19,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,328,000 | 10,511,000 | 12,385,000 | 12,777,000 |
| Total capital | 16,160,000 | 16,335,000 | 17,384,000 | 17,720,000 |
| Risk-weighted assets | 137,490,000 | 137,503,000 | 133,881,000 | 132,635,000 |
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