Call reports 2004
TWIN LAKES NATIONAL BANK — 2004
What TWIN LAKES NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Total assets | 141,581,000 | 143,905,000 |
| Total loans | 124,526,000 | 129,912,000 |
| Allowance for loan losses | 1,032,000 | 958,000 |
| Securities available for sale | 0 | 0 |
| Securities held to maturity | 8,135,000 | 8,318,000 |
| Trading assets | 0 | 0 |
| Total deposits | 128,167,000 | 128,076,000 |
| Interest-bearing deposits | 112,713,000 | 112,161,000 |
| Noninterest-bearing deposits | 15,454,000 | 15,915,000 |
| Equity capital | 12,422,000 | 12,516,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Interest income | 2,030,000 | 4,003,000 |
| Interest expense | 571,000 | 1,121,000 |
| Net interest income | 1,459,000 | 2,882,000 |
| Noninterest income | 239,000 | 533,000 |
| Noninterest expense | 1,066,000 | 2,141,000 |
| Provision for loan losses | 15,000 | -24,000 |
| Pretax income | 617,000 | 1,298,000 |
| Income tax | 26,000 | 53,000 |
| Net income | 591,000 | 1,245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Tier 1 capital | 12,422,000 | 12,516,000 |
| Total capital | 13,454,000 | 13,474,000 |
| Risk-weighted assets | 128,963,000 | 134,134,000 |