Call reports 2003
TWIN LAKES NATIONAL BANK — 2003
What TWIN LAKES NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 140,033,000 | 142,701,000 | 142,677,000 | 140,988,000 |
| Total loans | 123,149,000 | 123,693,000 | 126,012,000 | 127,177,000 |
| Allowance for loan losses | 1,211,000 | 1,212,000 | 1,047,000 | 1,056,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,033,000 | 10,217,000 | 9,783,000 | 8,290,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,432,000 | 129,708,000 | 129,068,000 | 124,641,000 |
| Interest-bearing deposits | 111,592,000 | 114,144,000 | 115,092,000 | 111,593,000 |
| Noninterest-bearing deposits | 14,840,000 | 15,564,000 | 13,976,000 | 13,048,000 |
| Equity capital | 12,232,000 | 11,870,000 | 12,683,000 | 12,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,308,000 | 4,511,000 | 6,669,000 | 8,786,000 |
| Interest expense | 719,000 | 1,386,000 | 2,031,000 | 2,639,000 |
| Net interest income | 1,589,000 | 3,125,000 | 4,638,000 | 6,147,000 |
| Noninterest income | 307,000 | 622,000 | 892,000 | 1,194,000 |
| Noninterest expense | 1,055,000 | 2,083,000 | 3,137,000 | 4,163,000 |
| Provision for loan losses | 110,000 | 182,000 | 61,000 | 179,000 |
| Pretax income | 731,000 | 1,481,000 | 2,331,000 | 2,998,000 |
| Income tax | 32,000 | 64,000 | 101,000 | 130,000 |
| Net income | 699,000 | 1,417,000 | 2,230,000 | 2,868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,232,000 | 11,870,000 | 12,683,000 | 12,571,000 |
| Total capital | 13,443,000 | 13,082,000 | 13,730,000 | 13,627,000 |
| Risk-weighted assets | 129,258,000 | 131,117,000 | 131,300,000 | 130,144,000 |