Call reports 2004
TWIN CEDARS BANK — 2004
What TWIN CEDARS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 24,901,000 | 23,854,000 | 23,397,000 | 24,116,000 |
| Total loans | 9,307,000 | 9,575,000 | 9,970,000 | 10,098,000 |
| Allowance for loan losses | 182,000 | 187,000 | 152,000 | 163,000 |
| Securities available for sale | 5,551,000 | 9,572,000 | 9,639,000 | 9,712,000 |
| Securities held to maturity | 1,915,000 | 1,054,000 | 1,263,000 | 1,407,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,729,000 | 20,886,000 | 20,284,000 | 21,131,000 |
| Interest-bearing deposits | 19,611,000 | 18,865,000 | 18,539,000 | 19,074,000 |
| Noninterest-bearing deposits | 2,118,000 | 2,021,000 | 1,745,000 | 2,057,000 |
| Equity capital | 3,096,000 | 2,910,000 | 3,051,000 | 2,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 298,000 | 609,000 | 919,000 | 1,236,000 |
| Interest expense | 89,000 | 175,000 | 261,000 | 346,000 |
| Net interest income | 209,000 | 434,000 | 658,000 | 890,000 |
| Noninterest income | 50,000 | 96,000 | 137,000 | 175,000 |
| Noninterest expense | 132,000 | 284,000 | 425,000 | 650,000 |
| Provision for loan losses | 8,000 | 23,000 | 31,000 | 48,000 |
| Pretax income | 119,000 | 223,000 | 339,000 | 367,000 |
| Income tax | 6,000 | 11,000 | 17,000 | 19,000 |
| Net income | 113,000 | 212,000 | 322,000 | 348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,024,000 | 3,027,000 | 3,092,000 | 3,032,000 |
| Total capital | 3,174,000 | 3,179,000 | 3,244,000 | 3,188,000 |
| Risk-weighted assets | 12,008,000 | 12,159,000 | 12,379,000 | 12,486,000 |
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