Call reports 2020
TWIN CITY BANK — 2020
What TWIN CITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 56,330,000 | 74,216,000 | 69,305,000 | 75,838,000 |
| Total loans | 46,888,000 | 59,441,000 | 58,670,000 | 58,358,000 |
| Allowance for loan losses | 512,000 | 512,000 | 512,000 | 570,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,088,000 | 67,358,000 | 62,375,000 | 68,928,000 |
| Interest-bearing deposits | 27,315,000 | 34,194,000 | 31,086,000 | 30,662,000 |
| Noninterest-bearing deposits | 22,773,000 | 33,164,000 | 31,289,000 | 38,266,000 |
| Equity capital | 5,932,000 | 6,491,000 | 6,481,000 | 6,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 666,000 | 1,839,000 | 2,494,000 | 3,119,000 |
| Interest expense | 34,000 | 68,000 | 97,000 | 127,000 |
| Net interest income | 632,000 | 1,771,000 | 2,397,000 | 2,992,000 |
| Noninterest income | 124,000 | 251,000 | 385,000 | 525,000 |
| Noninterest expense | 628,000 | 1,197,000 | 1,822,000 | 2,486,000 |
| Provision for loan losses | 0 | 0 | 0 | 60,000 |
| Pretax income | 128,000 | 825,000 | 960,000 | 971,000 |
| Income tax | 26,000 | 171,000 | 198,000 | 195,000 |
| Net income | 102,000 | 654,000 | 762,000 | 776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,867,000 | 6,421,000 | 6,417,000 | 6,433,000 |
| Total capital | 6,378,000 | — | — | — |
| Risk-weighted assets | 40,878,000 | — | — | — |