Call reports 2014
TOWN & COUNTRY BANK — 2014
What TOWN & COUNTRY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 151,143,000 | 155,295,000 | 162,459,000 | 163,706,000 |
| Total loans | 95,602,000 | 106,627,000 | 113,955,000 | 112,974,000 |
| Allowance for loan losses | 1,072,000 | 1,121,000 | 1,119,000 | 1,169,000 |
| Securities available for sale | 39,363,000 | 39,128,000 | 38,806,000 | 38,115,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,981,000 | 120,284,000 | 121,841,000 | 120,817,000 |
| Interest-bearing deposits | 100,075,000 | 99,313,000 | 99,759,000 | 96,866,000 |
| Noninterest-bearing deposits | 21,906,000 | 20,971,000 | 22,082,000 | 23,951,000 |
| Equity capital | 14,589,000 | 15,111,000 | 15,454,000 | 15,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,457,000 | 2,978,000 | 4,590,000 | 6,197,000 |
| Interest expense | 246,000 | 520,000 | 824,000 | 1,080,000 |
| Net interest income | 1,211,000 | 2,458,000 | 3,766,000 | 5,117,000 |
| Noninterest income | 104,000 | 221,000 | 305,000 | 395,000 |
| Noninterest expense | 724,000 | 1,418,000 | 2,001,000 | 2,839,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 100,000 |
| Pretax income | 591,000 | 1,215,000 | 2,025,000 | 2,576,000 |
| Income tax | 116,000 | 286,000 | 522,000 | 745,000 |
| Net income | 475,000 | 929,000 | 1,503,000 | 1,831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,820,000 | 15,084,000 | 15,470,000 | 15,483,000 |
| Total capital | 15,892,000 | 16,205,000 | 16,589,000 | 16,652,000 |
| Risk-weighted assets | 114,971,000 | 124,799,000 | 132,367,000 | 132,531,000 |