Call reports 2015
TRAVERSE CITY STATE BANK — 2015
What TRAVERSE CITY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 284,349,000 | 276,454,000 | 294,019,000 | 294,408,000 |
| Total loans | 212,761,000 | 218,208,000 | 220,967,000 | 224,078,000 |
| Allowance for loan losses | 2,706,000 | 2,956,000 | 2,438,000 | 2,420,000 |
| Securities available for sale | 6,131,000 | 6,161,000 | 6,644,000 | 6,045,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,273,000 | 235,038,000 | 251,695,000 | 251,289,000 |
| Interest-bearing deposits | 162,369,000 | 156,397,000 | 167,225,000 | 166,645,000 |
| Noninterest-bearing deposits | 76,904,000 | 78,641,000 | 84,470,000 | 84,644,000 |
| Equity capital | 27,473,000 | 28,228,000 | 28,849,000 | 29,502,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,685,000 | 5,411,000 | 8,147,000 | 10,924,000 |
| Interest expense | 263,000 | 530,000 | 798,000 | 1,073,000 |
| Net interest income | 2,422,000 | 4,881,000 | 7,349,000 | 9,851,000 |
| Noninterest income | 770,000 | 1,748,000 | 2,623,000 | 3,572,000 |
| Noninterest expense | 2,253,000 | 4,538,000 | 6,881,000 | 9,220,000 |
| Provision for loan losses | 75,000 | 75,000 | 175,000 | 325,000 |
| Pretax income | 864,000 | 2,016,000 | 2,916,000 | 3,878,000 |
| Income tax | 270,000 | 637,000 | 918,000 | 1,217,000 |
| Net income | 594,000 | 1,379,000 | 1,998,000 | 2,661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,218,000 | 26,727,000 | 27,342,000 | 28,321,000 |
| Total capital | 28,723,000 | 29,250,000 | 29,780,000 | 30,741,000 |
| Risk-weighted assets | 200,183,000 | 201,192,000 | 203,151,000 | 207,310,000 |