Call reports 2019
TWIN CEDARS BANK — 2019
What TWIN CEDARS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 45,521,000 | 45,366,000 | 43,750,000 | 43,308,000 |
| Total loans | 34,579,000 | 33,199,000 | 33,439,000 | 33,560,000 |
| Allowance for loan losses | 376,000 | 377,000 | 376,000 | 362,000 |
| Securities available for sale | 1,498,000 | 1,510,000 | 1,260,000 | 1,260,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,390,000 | 39,347,000 | 37,880,000 | 37,623,000 |
| Interest-bearing deposits | 31,896,000 | 31,713,000 | 30,350,000 | 30,285,000 |
| Noninterest-bearing deposits | 7,494,000 | 7,634,000 | 7,530,000 | 7,338,000 |
| Equity capital | 3,914,000 | 4,000,000 | 4,045,000 | 4,073,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 507,000 | 1,019,000 | 1,532,000 | 2,032,000 |
| Interest expense | 65,000 | 133,000 | 206,000 | 274,000 |
| Net interest income | 442,000 | 886,000 | 1,326,000 | 1,758,000 |
| Noninterest income | 36,000 | 66,000 | 102,000 | 133,000 |
| Noninterest expense | 427,000 | 801,000 | 1,206,000 | 1,607,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 51,000 | 151,000 | 222,000 | 274,000 |
| Income tax | 2,000 | 6,000 | 9,000 | 11,000 |
| Net income | 49,000 | 145,000 | 213,000 | 263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,913,000 | 3,989,000 | 4,034,000 | 4,062,000 |
| Total capital | 4,289,000 | 4,366,000 | 4,410,000 | 4,424,000 |
| Risk-weighted assets | 31,656,000 | 30,667,000 | 30,463,000 | 30,428,000 |