Call reports 2015
TWIN CEDARS BANK — 2015
What TWIN CEDARS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 46,324,000 | 45,618,000 | 46,449,000 | 47,471,000 |
| Total loans | 37,064,000 | 37,088,000 | 37,751,000 | 37,798,000 |
| Allowance for loan losses | 364,000 | 368,000 | 369,000 | 369,000 |
| Securities available for sale | 1,365,000 | 1,360,000 | 1,115,000 | 1,007,000 |
| Securities held to maturity | 998,000 | 727,000 | 101,000 | 101,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,514,000 | 38,850,000 | 39,643,000 | 40,649,000 |
| Interest-bearing deposits | 33,301,000 | 33,341,000 | 33,673,000 | 34,327,000 |
| Noninterest-bearing deposits | 6,213,000 | 5,510,000 | 5,971,000 | 6,322,000 |
| Equity capital | 3,999,000 | 4,031,000 | 4,065,000 | 4,096,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 499,000 | 1,000,000 | 1,497,000 | 2,008,000 |
| Interest expense | 48,000 | 100,000 | 157,000 | 215,000 |
| Net interest income | 451,000 | 900,000 | 1,340,000 | 1,793,000 |
| Noninterest income | 44,000 | 88,000 | 138,000 | 180,000 |
| Noninterest expense | 391,000 | 791,000 | 1,205,000 | 1,636,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 84,000 | 177,000 | 253,000 | 317,000 |
| Income tax | 4,000 | 9,000 | 13,000 | 16,000 |
| Net income | 80,000 | 168,000 | 240,000 | 301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,985,000 | 4,021,000 | 4,051,000 | 4,094,000 |
| Total capital | 4,349,000 | 4,389,000 | 4,420,000 | 4,463,000 |
| Risk-weighted assets | 34,426,000 | 34,505,000 | 34,264,000 | 34,125,000 |