Call reports 2010
TOWN & COUNTRY BANK — 2010
What TOWN & COUNTRY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 110,400,000 | 113,583,000 | 114,064,000 | 115,286,000 |
| Total loans | 74,886,000 | 79,092,000 | 78,715,000 | 76,903,000 |
| Allowance for loan losses | 885,000 | 890,000 | 920,000 | 972,000 |
| Securities available for sale | 27,824,000 | 27,735,000 | 26,803,000 | 29,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,842,000 | 90,508,000 | 90,117,000 | 94,517,000 |
| Interest-bearing deposits | 77,113,000 | 79,250,000 | 77,795,000 | 79,959,000 |
| Noninterest-bearing deposits | 11,729,000 | 11,258,000 | 12,322,000 | 14,558,000 |
| Equity capital | 11,791,000 | 12,134,000 | 12,466,000 | 12,076,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,364,000 | 2,779,000 | 4,224,000 | 5,553,000 |
| Interest expense | 407,000 | 837,000 | 1,233,000 | 1,569,000 |
| Net interest income | 957,000 | 1,942,000 | 2,991,000 | 3,984,000 |
| Noninterest income | 100,000 | 218,000 | 325,000 | 494,000 |
| Noninterest expense | 641,000 | 1,228,000 | 1,790,000 | 2,494,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 423,000 | 954,000 | 1,548,000 | 1,956,000 |
| Income tax | 72,000 | 211,000 | 380,000 | 537,000 |
| Net income | 351,000 | 743,000 | 1,168,000 | 1,419,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,542,000 | 11,745,000 | 11,981,000 | 11,917,000 |
| Total capital | 12,427,000 | 12,635,000 | 12,901,000 | 12,889,000 |
| Risk-weighted assets | 86,544,000 | 91,153,000 | 90,842,000 | 90,075,000 |