Call reports 2016
TWIN LAKES COMMUNITY BANK — 2016
What TWIN LAKES COMMUNITY 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 | 122,466,000 | 122,801,000 | 124,952,000 | 125,516,000 |
| Total loans | 100,324,000 | 103,019,000 | 105,030,000 | 106,108,000 |
| Allowance for loan losses | 198,000 | 504,000 | 552,000 | 747,000 |
| Securities available for sale | 2,528,000 | 2,060,000 | 2,002,000 | 1,964,000 |
| Securities held to maturity | 357,000 | 357,000 | 357,000 | 357,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,441,000 | 102,277,000 | 104,531,000 | 105,620,000 |
| Interest-bearing deposits | 95,643,000 | 95,807,000 | 97,799,000 | 99,185,000 |
| Noninterest-bearing deposits | 6,798,000 | 6,470,000 | 6,732,000 | 6,435,000 |
| Equity capital | 15,890,000 | 16,237,000 | 16,591,000 | 16,682,000 |
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 | 1,772,000 | 3,565,000 | 5,155,000 | 6,678,000 |
| Interest expense | 240,000 | 287,000 | 483,000 | 675,000 |
| Net interest income | 1,532,000 | 3,278,000 | 4,672,000 | 6,003,000 |
| Noninterest income | 328,000 | 459,000 | 586,000 | 686,000 |
| Noninterest expense | 954,000 | 1,935,000 | 2,952,000 | 4,011,000 |
| Provision for loan losses | 220,000 | 530,000 | 590,000 | 820,000 |
| Pretax income | 686,000 | 1,272,000 | 1,716,000 | 1,858,000 |
| Income tax | 30,000 | 270,000 | 359,000 | 409,000 |
| Net income | 656,000 | 1,002,000 | 1,357,000 | 1,449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,200,000 | 11,561,000 | 11,931,000 | 12,036,000 |
| Total capital | 11,398,000 | 12,065,000 | 12,483,000 | 12,783,000 |
| Risk-weighted assets | 93,553,000 | 95,995,000 | 96,805,000 | 97,852,000 |