Call reports 2013
TOWN & COUNTRY BANK — 2013
What TOWN & COUNTRY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 146,727,000 | 148,256,000 | 155,863,000 | 153,651,000 |
| Total loans | 82,863,000 | 94,146,000 | 103,895,000 | 103,907,000 |
| Allowance for loan losses | 1,025,000 | 1,025,000 | 1,024,000 | 1,071,000 |
| Securities available for sale | 50,687,000 | 46,020,000 | 40,069,000 | 39,367,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,055,000 | 118,497,000 | 115,201,000 | 115,534,000 |
| Interest-bearing deposits | 99,903,000 | 97,982,000 | 96,254,000 | 93,709,000 |
| Noninterest-bearing deposits | 20,152,000 | 20,515,000 | 18,947,000 | 21,825,000 |
| Equity capital | 14,265,000 | 13,977,000 | 14,165,000 | 14,109,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,310,000 | 2,690,000 | 4,155,000 | 5,620,000 |
| Interest expense | 250,000 | 511,000 | 787,000 | 1,038,000 |
| Net interest income | 1,060,000 | 2,179,000 | 3,368,000 | 4,582,000 |
| Noninterest income | 113,000 | 223,000 | 358,000 | 494,000 |
| Noninterest expense | 717,000 | 1,380,000 | 1,991,000 | 2,793,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 447,000 | 1,029,000 | 1,770,000 | 2,279,000 |
| Income tax | 71,000 | 240,000 | 434,000 | 659,000 |
| Net income | 376,000 | 789,000 | 1,336,000 | 1,620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,920,000 | 14,145,000 | 14,502,000 | 14,471,000 |
| Total capital | 14,945,000 | 15,170,000 | 15,526,000 | 15,542,000 |
| Risk-weighted assets | 99,772,000 | 109,348,000 | 119,025,000 | 124,322,000 |