Call reports 2015
TRICENTURY BANK — 2015
What TRICENTURY 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 | 36,454,000 | 43,401,000 | 51,619,000 | 57,356,000 |
| Total loans | 26,621,000 | 37,745,000 | 42,549,000 | 42,238,000 |
| Allowance for loan losses | 318,000 | 408,000 | 467,000 | 541,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,134,000 | 29,285,000 | 37,293,000 | 43,047,000 |
| Interest-bearing deposits | 17,219,000 | 22,098,000 | 30,200,000 | 36,101,000 |
| Noninterest-bearing deposits | 6,915,000 | 7,187,000 | 7,093,000 | 6,946,000 |
| Equity capital | 7,025,000 | 7,035,000 | 7,132,000 | 7,171,000 |
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 | 354,000 | 799,000 | 1,342,000 | 1,916,000 |
| Interest expense | 40,000 | 103,000 | 188,000 | 286,000 |
| Net interest income | 314,000 | 696,000 | 1,154,000 | 1,630,000 |
| Noninterest income | 79,000 | 108,000 | 182,000 | 252,000 |
| Noninterest expense | 403,000 | 714,000 | 1,089,000 | 1,500,000 |
| Provision for loan losses | 70,000 | 160,000 | 220,000 | 295,000 |
| Pretax income | -80,000 | -70,000 | 27,000 | 87,000 |
| Income tax | 0 | 0 | 0 | 21,000 |
| Net income | -80,000 | -70,000 | 27,000 | 66,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,961,000 | 6,972,000 | 7,069,000 | 7,116,000 |
| Total capital | 7,279,000 | 7,380,000 | 7,536,000 | 7,657,000 |
| Risk-weighted assets | 29,025,000 | 39,075,000 | 43,983,000 | 44,313,000 |