Call reports 2016
TOWN & COUNTRY BANK, INC. — 2016
What TOWN & COUNTRY BANK, INC. 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 | 104,733,000 | 110,050,000 | 120,176,000 | 122,553,000 |
| Total loans | 81,063,000 | 81,530,000 | 85,873,000 | 90,283,000 |
| Allowance for loan losses | 1,410,000 | 1,410,000 | 1,426,000 | 1,524,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,731,000 | 5,513,000 | 5,275,000 | 10,063,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,828,000 | 96,495,000 | 106,575,000 | 108,903,000 |
| Interest-bearing deposits | 72,354,000 | 74,108,000 | 82,911,000 | 85,081,000 |
| Noninterest-bearing deposits | 19,474,000 | 22,387,000 | 23,664,000 | 23,822,000 |
| Equity capital | 12,507,000 | 13,151,000 | 13,316,000 | 13,316,000 |
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 | 1,221,000 | 2,532,000 | 3,859,000 | 5,254,000 |
| Interest expense | 195,000 | 407,000 | 635,000 | 869,000 |
| Net interest income | 1,026,000 | 2,125,000 | 3,224,000 | 4,385,000 |
| Noninterest income | 374,000 | 858,000 | 1,243,000 | 1,547,000 |
| Noninterest expense | 1,316,000 | 2,502,000 | 3,720,000 | 5,055,000 |
| Provision for loan losses | 0 | 0 | 16,000 | 109,000 |
| Pretax income | 84,000 | 481,000 | 731,000 | 768,000 |
| Income tax | 0 | 170,000 | 239,000 | 260,000 |
| Net income | 84,000 | 311,000 | 492,000 | 508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,507,000 | 13,151,000 | 13,316,000 | 13,316,000 |
| Total capital | 13,625,000 | 14,296,000 | 14,533,000 | 14,582,000 |
| Risk-weighted assets | 89,159,000 | 91,367,000 | 97,093,000 | 100,962,000 |