Call reports 2008
TWIN CITY BANK — 2008
What TWIN CITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 47,941,000 | 44,820,000 | 44,426,000 | 46,877,000 |
| Total loans | 33,419,000 | 33,805,000 | 34,656,000 | 35,235,000 |
| Allowance for loan losses | 461,000 | 461,000 | 496,000 | 592,000 |
| Securities available for sale | 6,811,000 | 5,286,000 | 4,249,000 | 3,984,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,307,000 | 40,107,000 | 39,818,000 | 42,337,000 |
| Interest-bearing deposits | 34,561,000 | 32,328,000 | 31,209,000 | 34,600,000 |
| Noninterest-bearing deposits | 8,746,000 | 7,779,000 | 8,609,000 | 7,737,000 |
| Equity capital | 4,499,000 | 4,469,000 | 4,451,000 | 4,180,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 743,000 | 1,454,000 | 2,162,000 | 2,829,000 |
| Interest expense | 329,000 | 646,000 | 905,000 | 1,176,000 |
| Net interest income | 414,000 | 808,000 | 1,257,000 | 1,653,000 |
| Noninterest income | 72,000 | 151,000 | 215,000 | 269,000 |
| Noninterest expense | 486,000 | 965,000 | 1,450,000 | 2,214,000 |
| Provision for loan losses | 20,000 | 20,000 | 30,000 | 160,000 |
| Pretax income | -20,000 | -26,000 | -8,000 | -452,000 |
| Income tax | 2,000 | 2,000 | 0 | -195,000 |
| Net income | -22,000 | -28,000 | -8,000 | -257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,437,000 | 4,432,000 | 4,451,000 | 4,201,000 |
| Total capital | 4,887,000 | 4,882,000 | 4,906,000 | 4,729,000 |
| Risk-weighted assets | 40,984,000 | 39,194,000 | 39,210,000 | 42,152,000 |
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