Call reports 2014
TRAVERSE CITY STATE BANK — 2014
What TRAVERSE CITY STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 231,849,000 | 249,447,000 | 264,539,000 | 265,163,000 |
| Total loans | 185,715,000 | 193,742,000 | 203,994,000 | 209,554,000 |
| Allowance for loan losses | 2,849,000 | 2,757,000 | 2,757,000 | 2,603,000 |
| Securities available for sale | 7,612,000 | 7,850,000 | 7,781,000 | 6,944,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,492,000 | 210,568,000 | 224,906,000 | 220,510,000 |
| Interest-bearing deposits | 132,664,000 | 142,328,000 | 151,187,000 | 148,611,000 |
| Noninterest-bearing deposits | 60,828,000 | 68,240,000 | 73,719,000 | 71,899,000 |
| Equity capital | 24,669,000 | 25,170,000 | 25,822,000 | 26,888,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,387,000 | 4,861,000 | 7,459,000 | 10,129,000 |
| Interest expense | 216,000 | 456,000 | 714,000 | 978,000 |
| Net interest income | 2,171,000 | 4,405,000 | 6,745,000 | 9,151,000 |
| Noninterest income | 680,000 | 1,447,000 | 2,425,000 | 3,796,000 |
| Noninterest expense | 2,240,000 | 4,465,000 | 6,806,000 | 9,089,000 |
| Provision for loan losses | 0 | 25,000 | 25,000 | 75,000 |
| Pretax income | 611,000 | 1,362,000 | 2,339,000 | 3,783,000 |
| Income tax | 198,000 | 444,000 | 767,000 | 1,245,000 |
| Net income | 413,000 | 918,000 | 1,572,000 | 2,538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,692,000 | 22,198,000 | 22,851,000 | 23,918,000 |
| Total capital | 23,960,000 | 24,544,000 | 25,291,000 | 26,386,000 |
| Risk-weighted assets | 180,858,000 | 187,245,000 | 194,906,000 | 197,338,000 |
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