Call reports 2008
TWIN LAKES COMMUNITY BANK — 2008
What TWIN LAKES COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 40,850,000 | 46,585,000 | 54,059,000 | 60,738,000 |
| Total loans | 34,766,000 | 40,863,000 | 46,868,000 | 53,913,000 |
| Allowance for loan losses | 510,000 | 510,000 | 580,000 | 540,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,404,000 | 35,227,000 | 42,837,000 | 49,470,000 |
| Interest-bearing deposits | 28,556,000 | 33,964,000 | 41,471,000 | 47,353,000 |
| Noninterest-bearing deposits | 848,000 | 1,263,000 | 1,366,000 | 2,117,000 |
| Equity capital | 11,180,000 | 11,228,000 | 11,030,000 | 11,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 728,000 | 1,497,000 | 2,385,000 | 3,343,000 |
| Interest expense | 326,000 | 640,000 | 1,011,000 | 1,382,000 |
| Net interest income | 402,000 | 857,000 | 1,374,000 | 1,961,000 |
| Noninterest income | 25,000 | 49,000 | 76,000 | 105,000 |
| Noninterest expense | 412,000 | 869,000 | 1,568,000 | 2,141,000 |
| Provision for loan losses | 10,000 | 10,000 | 80,000 | 100,000 |
| Pretax income | 5,000 | 27,000 | -198,000 | -175,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 5,000 | 27,000 | -198,000 | -175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,955,000 | 11,003,000 | 10,805,000 | 10,855,000 |
| Total capital | 11,418,000 | 11,513,000 | 11,385,000 | 11,395,000 |
| Risk-weighted assets | 36,984,000 | 43,208,000 | 48,160,000 | 55,746,000 |