Call reports 2017
TRAVERSE CITY STATE BANK — 2017
What TRAVERSE CITY STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 321,504,000 | 329,743,000 | 346,915,000 | 336,875,000 |
| Total loans | 259,346,000 | 276,091,000 | 280,280,000 | 291,519,000 |
| Allowance for loan losses | 2,996,000 | 2,882,000 | 2,363,000 | 2,709,000 |
| Securities available for sale | 7,325,000 | 6,325,000 | 5,745,000 | 5,630,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,727,000 | 276,710,000 | 292,986,000 | 282,057,000 |
| Interest-bearing deposits | 175,968,000 | 176,469,000 | 196,519,000 | 186,671,000 |
| Noninterest-bearing deposits | 94,759,000 | 100,241,000 | 96,467,000 | 95,386,000 |
| Equity capital | 32,710,000 | 34,746,000 | 35,422,000 | 36,602,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,150,000 | 6,549,000 | 10,152,000 | 14,002,000 |
| Interest expense | 286,000 | 594,000 | 956,000 | 1,332,000 |
| Net interest income | 2,864,000 | 5,955,000 | 9,196,000 | 12,670,000 |
| Noninterest income | 729,000 | 1,778,000 | 2,662,000 | 3,856,000 |
| Noninterest expense | 2,691,000 | 5,450,000 | 8,083,000 | 10,817,000 |
| Provision for loan losses | 0 | 200,000 | 700,000 | 1,400,000 |
| Pretax income | 902,000 | 2,083,000 | 3,075,000 | 4,309,000 |
| Income tax | 280,000 | 658,000 | 972,000 | 989,000 |
| Net income | 622,000 | 1,425,000 | 2,103,000 | 3,320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,488,000 | 32,516,000 | 33,210,000 | 34,176,000 |
| Total capital | 33,484,000 | 35,398,000 | 35,573,000 | 36,885,000 |
| Risk-weighted assets | 243,536,000 | 263,575,000 | 265,555,000 | 277,303,000 |