Call reports 2015
TOWN & COUNTRY BANK, INC. — 2015
What TOWN & COUNTRY BANK, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 90,350,000 | 100,130,000 | 106,041,000 | 102,637,000 |
| Total loans | 70,522,000 | 80,053,000 | 82,530,000 | 80,193,000 |
| Allowance for loan losses | 826,000 | 996,000 | 1,035,000 | 1,346,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,597,000 | 6,395,000 | 6,174,000 | 5,978,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,776,000 | 84,543,000 | 90,555,000 | 89,659,000 |
| Interest-bearing deposits | 64,082,000 | 68,481,000 | 70,201,000 | 69,727,000 |
| Noninterest-bearing deposits | 15,694,000 | 16,062,000 | 20,354,000 | 19,932,000 |
| Equity capital | 10,354,000 | 10,853,000 | 11,292,000 | 12,433,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,106,000 | 2,352,000 | 3,670,000 | 4,990,000 |
| Interest expense | 171,000 | 357,000 | 555,000 | 757,000 |
| Net interest income | 935,000 | 1,995,000 | 3,115,000 | 4,233,000 |
| Noninterest income | 551,000 | 1,193,000 | 1,595,000 | 2,631,000 |
| Noninterest expense | 1,098,000 | 2,169,000 | 3,250,000 | 4,721,000 |
| Provision for loan losses | 0 | 132,000 | 134,000 | 408,000 |
| Pretax income | 388,000 | 887,000 | 1,326,000 | 1,735,000 |
| Income tax | 0 | 0 | 0 | -154,000 |
| Net income | 388,000 | 887,000 | 1,326,000 | 1,889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,196,000 | 10,457,000 | 10,896,000 | 12,433,000 |
| Total capital | 11,034,000 | 11,472,000 | 11,950,000 | 13,535,000 |
| Risk-weighted assets | 72,722,000 | 87,885,000 | 90,825,000 | 87,812,000 |