Call reports 2002
TWIN LAKES NATIONAL BANK — 2002
What TWIN LAKES NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 136,366,000 | 134,207,000 | 139,051,000 | 140,438,000 |
| Total loans | 105,594,000 | 109,752,000 | 116,076,000 | 118,716,000 |
| Allowance for loan losses | 1,044,000 | 1,090,000 | 1,148,000 | 1,172,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 18,603,000 | 16,534,000 | 15,441,000 | 14,275,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,053,000 | 122,417,000 | 123,353,000 | 127,675,000 |
| Interest-bearing deposits | 110,763,000 | 108,638,000 | 109,320,000 | 113,061,000 |
| Noninterest-bearing deposits | 13,290,000 | 13,779,000 | 14,033,000 | 14,614,000 |
| Equity capital | 11,123,000 | 10,715,000 | 11,238,000 | 11,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,509,000 | 4,978,000 | 7,446,000 | 9,851,000 |
| Interest expense | 858,000 | 1,661,000 | 2,454,000 | 3,211,000 |
| Net interest income | 1,651,000 | 3,317,000 | 4,992,000 | 6,640,000 |
| Noninterest income | 260,000 | 582,000 | 876,000 | 1,152,000 |
| Noninterest expense | 1,065,000 | 2,140,000 | 3,210,000 | 4,292,000 |
| Provision for loan losses | 104,000 | 221,000 | 364,000 | 479,000 |
| Pretax income | 742,000 | 1,538,000 | 2,294,000 | 3,021,000 |
| Income tax | 33,000 | 67,000 | 100,000 | 132,000 |
| Net income | 709,000 | 1,471,000 | 2,194,000 | 2,889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,123,000 | 10,715,000 | 11,238,000 | 11,533,000 |
| Total capital | 12,167,000 | 11,805,000 | 12,386,000 | 12,705,000 |
| Risk-weighted assets | 114,591,000 | 117,524,000 | 123,446,000 | 126,037,000 |