Call reports 2007
TWIN LAKES COMMUNITY BANK — 2007
What TWIN LAKES COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 28,687,000 | 33,619,000 | 36,171,000 | 40,119,000 |
| Total loans | 24,720,000 | 28,054,000 | 31,461,000 | 34,400,000 |
| Allowance for loan losses | 235,000 | 269,000 | 309,000 | 500,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,276,000 | 22,241,000 | 23,842,000 | 28,701,000 |
| Interest-bearing deposits | 16,695,000 | 21,513,000 | 22,855,000 | 27,664,000 |
| Noninterest-bearing deposits | 581,000 | 728,000 | 987,000 | 1,037,000 |
| Equity capital | 11,302,000 | 11,309,000 | 11,337,000 | 11,149,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 495,000 | 1,061,000 | 1,715,000 | 2,435,000 |
| Interest expense | 177,000 | 398,000 | 668,000 | 983,000 |
| Net interest income | 318,000 | 663,000 | 1,047,000 | 1,452,000 |
| Noninterest income | 14,000 | 39,000 | 57,000 | 79,000 |
| Noninterest expense | 344,000 | 700,000 | 1,060,000 | 1,510,000 |
| Provision for loan losses | 5,000 | 39,000 | 79,000 | 270,000 |
| Pretax income | -17,000 | -37,000 | -35,000 | -249,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -17,000 | -37,000 | -35,000 | -249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,077,000 | 11,084,000 | 11,112,000 | 10,924,000 |
| Total capital | 11,312,000 | 11,353,000 | 11,421,000 | 11,377,000 |
| Risk-weighted assets | 26,245,000 | 29,916,000 | 33,793,000 | 36,166,000 |