Call reports 2013
TRAVERSE CITY STATE BANK — 2013
What TRAVERSE CITY STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 188,120,000 | 210,609,000 | 220,556,000 | 230,781,000 |
| Total loans | 139,633,000 | 146,917,000 | 166,484,000 | 180,514,000 |
| Allowance for loan losses | 3,035,000 | 2,411,000 | 2,643,000 | 2,838,000 |
| Securities available for sale | 9,405,000 | 9,100,000 | 8,726,000 | 7,657,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,300,000 | 172,250,000 | 181,928,000 | 192,621,000 |
| Interest-bearing deposits | 110,106,000 | 113,315,000 | 118,441,000 | 127,435,000 |
| Noninterest-bearing deposits | 48,194,000 | 58,935,000 | 63,487,000 | 65,186,000 |
| Equity capital | 22,403,000 | 22,805,000 | 23,076,000 | 24,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,999,000 | 4,042,000 | 6,241,000 | 8,768,000 |
| Interest expense | 220,000 | 438,000 | 670,000 | 904,000 |
| Net interest income | 1,779,000 | 3,604,000 | 5,571,000 | 7,864,000 |
| Noninterest income | 1,232,000 | 2,343,000 | 3,388,000 | 4,378,000 |
| Noninterest expense | 2,055,000 | 4,276,000 | 6,572,000 | 9,015,000 |
| Provision for loan losses | 200,000 | 250,000 | 475,000 | 625,000 |
| Pretax income | 685,000 | 1,350,000 | 1,841,000 | 2,531,000 |
| Income tax | 218,000 | 432,000 | 588,000 | 813,000 |
| Net income | 467,000 | 918,000 | 1,253,000 | 1,718,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,883,000 | 19,493,000 | 20,032,000 | 21,279,000 |
| Total capital | 22,351,000 | 23,025,000 | 23,789,000 | 23,472,000 |
| Risk-weighted assets | 136,512,000 | 142,373,000 | 160,311,000 | 174,801,000 |
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