Call reports 2016
TWIN CITY BANK — 2016
What TWIN CITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 48,808,000 | 46,332,000 | 52,420,000 | 52,174,000 |
| Total loans | 34,385,000 | 36,842,000 | 37,577,000 | 36,827,000 |
| Allowance for loan losses | 508,000 | 508,000 | 509,000 | 511,000 |
| Securities available for sale | 538,000 | 500,000 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,986,000 | 41,297,000 | 47,368,000 | 47,101,000 |
| Interest-bearing deposits | 26,920,000 | 25,947,000 | 28,623,000 | 27,252,000 |
| Noninterest-bearing deposits | 17,066,000 | 15,350,000 | 18,745,000 | 19,849,000 |
| Equity capital | 4,504,000 | 4,637,000 | 4,698,000 | 4,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 537,000 | 1,214,000 | 1,808,000 | 2,388,000 |
| Interest expense | 47,000 | 91,000 | 136,000 | 180,000 |
| Net interest income | 490,000 | 1,123,000 | 1,672,000 | 2,208,000 |
| Noninterest income | 93,000 | 182,000 | 271,000 | 367,000 |
| Noninterest expense | 607,000 | 1,180,000 | 1,737,000 | 2,244,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -23,000 | 126,000 | 207,000 | 332,000 |
| Income tax | -6,000 | 39,000 | 65,000 | 101,000 |
| Net income | -17,000 | 87,000 | 142,000 | 231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,417,000 | 4,569,000 | 4,638,000 | 4,721,000 |
| Total capital | 4,829,000 | 4,997,000 | 5,084,000 | 5,163,000 |
| Risk-weighted assets | 32,871,000 | 34,191,000 | 35,652,000 | 35,269,000 |