Call reports 2005
TWIN CEDARS BANK — 2005
What TWIN CEDARS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 23,500,000 | 23,442,000 | 23,290,000 | 22,768,000 |
| Total loans | 10,220,000 | 10,912,000 | 11,433,000 | 10,975,000 |
| Allowance for loan losses | 205,000 | 235,000 | 214,000 | 167,000 |
| Securities available for sale | 9,995,000 | 9,660,000 | 8,913,000 | 8,323,000 |
| Securities held to maturity | 1,862,000 | 1,980,000 | 1,979,000 | 1,978,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,523,000 | 20,380,000 | 19,400,000 | 19,835,000 |
| Interest-bearing deposits | 18,501,000 | 18,518,000 | 17,315,000 | 17,479,000 |
| Noninterest-bearing deposits | 2,022,000 | 1,862,000 | 2,085,000 | 2,356,000 |
| Equity capital | 2,921,000 | 3,007,000 | 3,032,000 | 2,876,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 317,000 | 656,000 | 993,000 | 1,296,000 |
| Interest expense | 84,000 | 166,000 | 255,000 | 343,000 |
| Net interest income | 233,000 | 490,000 | 738,000 | 953,000 |
| Noninterest income | 41,000 | 72,000 | 109,000 | 138,000 |
| Noninterest expense | 139,000 | 299,000 | 456,000 | 638,000 |
| Provision for loan losses | 40,000 | 48,000 | 55,000 | 173,000 |
| Pretax income | 95,000 | 215,000 | 334,000 | 278,000 |
| Income tax | 5,000 | 11,000 | 17,000 | 16,000 |
| Net income | 90,000 | 204,000 | 317,000 | 262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,122,000 | 3,136,000 | 3,197,000 | 3,051,000 |
| Total capital | 3,279,000 | 3,299,000 | 3,365,000 | 3,212,000 |
| Risk-weighted assets | 12,482,000 | 12,952,000 | 13,427,000 | 12,880,000 |
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