Call reports 2014
TWIN CITY BANK — 2014
What TWIN CITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 43,867,000 | 43,735,000 | 42,044,000 | 43,021,000 |
| Total loans | 34,403,000 | 34,052,000 | 34,625,000 | 34,433,000 |
| Allowance for loan losses | 562,000 | 564,000 | 513,000 | 509,000 |
| Securities available for sale | 907,000 | 942,000 | 952,000 | 956,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,040,000 | 37,893,000 | 37,224,000 | 38,097,000 |
| Interest-bearing deposits | 29,820,000 | 30,110,000 | 28,808,000 | 29,613,000 |
| Noninterest-bearing deposits | 9,220,000 | 7,783,000 | 8,416,000 | 8,484,000 |
| Equity capital | 4,321,000 | 4,339,000 | 4,325,000 | 4,405,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 515,000 | 1,019,000 | 1,533,000 | 2,067,000 |
| Interest expense | 61,000 | 120,000 | 178,000 | 234,000 |
| Net interest income | 454,000 | 899,000 | 1,355,000 | 1,833,000 |
| Noninterest income | 121,000 | 150,000 | 186,000 | 285,000 |
| Noninterest expense | 467,000 | 955,000 | 1,425,000 | 1,895,000 |
| Provision for loan losses | 0 | 0 | 40,000 | 40,000 |
| Pretax income | 110,000 | 96,000 | 73,000 | 180,000 |
| Income tax | 40,000 | 34,000 | 33,000 | 65,000 |
| Net income | 70,000 | 62,000 | 40,000 | 115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,189,000 | 4,245,000 | 4,138,000 | 4,218,000 |
| Total capital | 4,610,000 | 4,658,000 | 4,554,000 | 4,638,000 |
| Risk-weighted assets | 33,530,000 | 32,904,000 | 33,149,000 | 33,481,000 |
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