Call reports 2007
TWIN CITY BANK — 2007
What TWIN CITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 45,005,000 | 45,114,000 | 45,048,000 | 43,418,000 |
| Total loans | 33,431,000 | 32,860,000 | 28,253,000 | 28,683,000 |
| Allowance for loan losses | 532,000 | 535,000 | 543,000 | 572,000 |
| Securities available for sale | 5,251,000 | 0 | 4,266,000 | 6,785,000 |
| Securities held to maturity | 0 | 4,250,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,472,000 | 40,483,000 | 40,409,000 | 38,421,000 |
| Interest-bearing deposits | 32,576,000 | 32,685,000 | 33,002,000 | 31,867,000 |
| Noninterest-bearing deposits | 7,896,000 | 7,798,000 | 7,407,000 | 6,554,000 |
| Equity capital | 4,375,000 | 4,407,000 | 4,467,000 | 4,494,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 839,000 | 1,731,000 | 2,633,000 | 3,419,000 |
| Interest expense | 334,000 | 679,000 | 1,036,000 | 1,385,000 |
| Net interest income | 505,000 | 1,052,000 | 1,597,000 | 2,034,000 |
| Noninterest income | 222,000 | 290,000 | 381,000 | 486,000 |
| Noninterest expense | 484,000 | 982,000 | 1,531,000 | 2,031,000 |
| Provision for loan losses | 75,000 | 85,000 | 105,000 | 135,000 |
| Pretax income | 168,000 | 275,000 | 342,000 | 354,000 |
| Income tax | 19,000 | 94,000 | 116,000 | 120,000 |
| Net income | 149,000 | 181,000 | 226,000 | 234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,375,000 | 4,407,000 | 4,451,000 | 4,459,000 |
| Total capital | 4,800,000 | 4,867,000 | 4,821,000 | 4,839,000 |
| Risk-weighted assets | 33,101,000 | 36,748,000 | 32,179,000 | 32,408,000 |
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