Call reports 2007
TWIN CEDARS BANK — 2007
What TWIN CEDARS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 34,131,000 | 34,271,000 | 36,996,000 | 41,741,000 |
| Total loans | 21,430,000 | 23,403,000 | 26,894,000 | 28,640,000 |
| Allowance for loan losses | 406,000 | 323,000 | 360,000 | 410,000 |
| Securities available for sale | 4,291,000 | 5,515,000 | 5,962,000 | 6,602,000 |
| Securities held to maturity | 1,500,000 | 928,000 | 895,000 | 895,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,041,000 | 31,126,000 | 33,799,000 | 38,191,000 |
| Interest-bearing deposits | 28,052,000 | 28,066,000 | 31,007,000 | 34,786,000 |
| Noninterest-bearing deposits | 2,989,000 | 3,060,000 | 2,792,000 | 3,405,000 |
| Equity capital | 2,876,000 | 2,894,000 | 2,926,000 | 3,219,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 535,000 | 1,116,000 | 1,734,000 | 2,428,000 |
| Interest expense | 262,000 | 536,000 | 835,000 | 1,189,000 |
| Net interest income | 273,000 | 580,000 | 899,000 | 1,239,000 |
| Noninterest income | 75,000 | 153,000 | 233,000 | 272,000 |
| Noninterest expense | 293,000 | 629,000 | 941,000 | 1,355,000 |
| Provision for loan losses | 45,000 | 68,000 | 155,000 | 355,000 |
| Pretax income | 10,000 | 36,000 | 36,000 | -199,000 |
| Income tax | 1,000 | 2,000 | 2,000 | 0 |
| Net income | 9,000 | 34,000 | 34,000 | -199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,908,000 | 2,933,000 | 2,918,000 | 3,175,000 |
| Total capital | 3,194,000 | 3,237,000 | 3,260,000 | 3,543,000 |
| Risk-weighted assets | 22,784,000 | 24,301,000 | 27,370,000 | 29,367,000 |
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