Call reports 2016
TWIN CEDARS BANK — 2016
What TWIN CEDARS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 48,478,000 | 49,053,000 | 47,777,000 | 47,962,000 |
| Total loans | 37,928,000 | 38,007,000 | 37,753,000 | 37,409,000 |
| Allowance for loan losses | 411,000 | 421,000 | 438,000 | 440,000 |
| Securities available for sale | 1,014,000 | 1,019,000 | 1,016,000 | 1,006,000 |
| Securities held to maturity | 100,000 | 100,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,484,000 | 42,122,000 | 40,812,000 | 41,001,000 |
| Interest-bearing deposits | 34,796,000 | 35,295,000 | 33,879,000 | 34,730,000 |
| Noninterest-bearing deposits | 6,688,000 | 6,827,000 | 6,933,000 | 6,271,000 |
| Equity capital | 4,025,000 | 3,947,000 | 3,967,000 | 3,997,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 513,000 | 1,016,000 | 1,515,000 | 2,009,000 |
| Interest expense | 55,000 | 114,000 | 168,000 | 222,000 |
| Net interest income | 458,000 | 902,000 | 1,347,000 | 1,787,000 |
| Noninterest income | 48,000 | 86,000 | 129,000 | 167,000 |
| Noninterest expense | 409,000 | 813,000 | 1,217,000 | 1,634,000 |
| Provision for loan losses | 30,000 | 40,000 | 40,000 | 40,000 |
| Pretax income | 67,000 | 135,000 | 219,000 | 280,000 |
| Income tax | 3,000 | 7,000 | 11,000 | 14,000 |
| Net income | 64,000 | 128,000 | 208,000 | 266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,012,000 | 3,929,000 | 3,952,000 | 3,998,000 |
| Total capital | 4,423,000 | 4,350,000 | 4,371,000 | 4,414,000 |
| Risk-weighted assets | 34,166,000 | 34,172,000 | 33,503,000 | 33,237,000 |