Call reports 2016
TRAVERSE CITY STATE BANK — 2016
What TRAVERSE CITY STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 292,846,000 | 293,175,000 | 310,378,000 | 312,513,000 |
| Total loans | 222,369,000 | 231,612,000 | 239,600,000 | 251,803,000 |
| Allowance for loan losses | 2,474,000 | 2,537,000 | 2,705,000 | 2,952,000 |
| Securities available for sale | 6,939,000 | 6,520,000 | 6,923,000 | 6,914,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,700,000 | 249,534,000 | 265,715,000 | 267,542,000 |
| Interest-bearing deposits | 169,109,000 | 158,908,000 | 165,121,000 | 166,875,000 |
| Noninterest-bearing deposits | 80,591,000 | 90,626,000 | 100,594,000 | 100,667,000 |
| Equity capital | 30,176,000 | 30,887,000 | 31,593,000 | 32,079,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,807,000 | 5,676,000 | 8,655,000 | 11,743,000 |
| Interest expense | 270,000 | 527,000 | 789,000 | 1,047,000 |
| Net interest income | 2,537,000 | 5,149,000 | 7,866,000 | 10,696,000 |
| Noninterest income | 787,000 | 1,702,000 | 2,804,000 | 4,056,000 |
| Noninterest expense | 2,362,000 | 4,798,000 | 7,423,000 | 10,071,000 |
| Provision for loan losses | 0 | 50,000 | 200,000 | 800,000 |
| Pretax income | 962,000 | 2,003,000 | 3,047,000 | 3,881,000 |
| Income tax | 300,000 | 627,000 | 954,000 | 1,245,000 |
| Net income | 662,000 | 1,376,000 | 2,093,000 | 2,636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,953,000 | 28,559,000 | 29,291,000 | 29,850,000 |
| Total capital | 31,427,000 | 31,096,000 | 31,996,000 | 32,795,000 |
| Risk-weighted assets | 206,854,000 | 213,869,000 | 224,194,000 | 235,626,000 |