Call reports 2013
TWIN CEDARS BANK — 2013
What TWIN CEDARS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 48,142,000 | 47,592,000 | 46,739,000 | 46,674,000 |
| Total loans | 28,754,000 | 29,860,000 | 30,684,000 | 31,603,000 |
| Allowance for loan losses | 556,000 | 575,000 | 412,000 | 348,000 |
| Securities available for sale | 1,670,000 | 1,660,000 | 2,161,000 | 2,095,000 |
| Securities held to maturity | 3,694,000 | 3,307,000 | 3,130,000 | 2,928,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,007,000 | 43,451,000 | 42,550,000 | 42,022,000 |
| Interest-bearing deposits | 38,489,000 | 38,462,000 | 36,849,000 | 35,608,000 |
| Noninterest-bearing deposits | 5,518,000 | 4,989,000 | 5,701,000 | 6,414,000 |
| Equity capital | 3,966,000 | 3,956,000 | 3,991,000 | 3,955,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 472,000 | 944,000 | 1,420,000 | 1,903,000 |
| Interest expense | 74,000 | 147,000 | 217,000 | 283,000 |
| Net interest income | 398,000 | 797,000 | 1,203,000 | 1,620,000 |
| Noninterest income | 41,000 | 78,000 | 133,000 | 168,000 |
| Noninterest expense | 446,000 | 858,000 | 1,256,000 | 1,704,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -7,000 | 17,000 | 80,000 | 84,000 |
| Income tax | 0 | 1,000 | 4,000 | 4,000 |
| Net income | -7,000 | 16,000 | 76,000 | 80,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,946,000 | 3,945,000 | 3,980,000 | 3,958,000 |
| Total capital | 4,329,000 | 4,337,000 | 4,374,000 | 4,306,000 |
| Risk-weighted assets | 30,496,000 | 31,176,000 | 31,534,000 | 31,951,000 |