Call reports 2005
TWIN CITY BANK — 2005
What TWIN CITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 33,556,000 | 35,031,000 | 35,959,000 | 38,178,000 |
| Total loans | 28,925,000 | 29,031,000 | 30,174,000 | 31,099,000 |
| Allowance for loan losses | 410,000 | 436,000 | 451,000 | 461,000 |
| Securities available for sale | 0 | 1,000,000 | 1,000,000 | 1,000,000 |
| Securities held to maturity | 1,199,000 | 1,199,000 | 1,199,000 | 1,200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,774,000 | 31,116,000 | 31,950,000 | 33,870,000 |
| Interest-bearing deposits | 25,506,000 | 26,552,000 | 26,793,000 | 28,715,000 |
| Noninterest-bearing deposits | 4,268,000 | 4,564,000 | 5,157,000 | 5,155,000 |
| Equity capital | 3,685,000 | 3,797,000 | 3,912,000 | 4,012,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 563,000 | 1,177,000 | 1,817,000 | 2,553,000 |
| Interest expense | 152,000 | 325,000 | 512,000 | 721,000 |
| Net interest income | 411,000 | 852,000 | 1,305,000 | 1,832,000 |
| Noninterest income | 95,000 | 174,000 | 257,000 | 329,000 |
| Noninterest expense | 343,000 | 683,000 | 1,030,000 | 1,462,000 |
| Provision for loan losses | 25,000 | 37,000 | 52,000 | 67,000 |
| Pretax income | 138,000 | 306,000 | 480,000 | 632,000 |
| Income tax | 48,000 | 104,000 | 163,000 | 215,000 |
| Net income | 90,000 | 202,000 | 317,000 | 417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,560,000 | 3,797,000 | 3,912,000 | 4,012,000 |
| Total capital | 3,882,000 | 4,113,000 | 4,243,000 | 4,352,000 |
| Risk-weighted assets | 25,703,000 | 25,188,000 | 26,392,000 | 27,118,000 |
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