Call reports 2008
TWIN CEDARS BANK — 2008
What TWIN CEDARS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 45,183,000 | 45,208,000 | 46,686,000 | 48,158,000 |
| Total loans | 30,533,000 | 32,542,000 | 34,469,000 | 36,362,000 |
| Allowance for loan losses | 443,000 | 350,000 | 358,000 | 470,000 |
| Securities available for sale | 6,315,000 | 5,721,000 | 5,420,000 | 5,256,000 |
| Securities held to maturity | 895,000 | 1,220,000 | 1,220,000 | 1,820,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,471,000 | 41,592,000 | 43,024,000 | 44,029,000 |
| Interest-bearing deposits | 37,958,000 | 37,934,000 | 39,420,000 | 40,249,000 |
| Noninterest-bearing deposits | 3,513,000 | 3,658,000 | 3,604,000 | 3,780,000 |
| Equity capital | 3,375,000 | 3,288,000 | 3,381,000 | 3,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 720,000 | 1,444,000 | 2,198,000 | 2,962,000 |
| Interest expense | 371,000 | 732,000 | 1,066,000 | 1,406,000 |
| Net interest income | 349,000 | 712,000 | 1,132,000 | 1,556,000 |
| Noninterest income | 70,000 | 117,000 | 167,000 | 220,000 |
| Noninterest expense | 326,000 | 684,000 | 1,019,000 | 1,457,000 |
| Provision for loan losses | 30,000 | 68,000 | 82,000 | 257,000 |
| Pretax income | 63,000 | 77,000 | 198,000 | 62,000 |
| Income tax | 3,000 | 4,000 | 10,000 | 3,000 |
| Net income | 60,000 | 73,000 | 188,000 | 59,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,222,000 | 3,221,000 | 3,323,000 | 3,683,000 |
| Total capital | 3,616,000 | 3,571,000 | 3,681,000 | 4,118,000 |
| Risk-weighted assets | 31,452,000 | 33,130,000 | 34,765,000 | 35,765,000 |
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