Call reports 2015
TOWN & COUNTRY BANK — 2015
What TOWN & COUNTRY BANK 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 | 158,845,000 | 166,856,000 | 172,180,000 | 165,037,000 |
| Total loans | 103,763,000 | 115,671,000 | 122,192,000 | 115,234,000 |
| Allowance for loan losses | 1,177,000 | 1,177,000 | 1,228,000 | 1,279,000 |
| Securities available for sale | 44,797,000 | 40,993,000 | 39,602,000 | 38,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,510,000 | 123,080,000 | 118,771,000 | 118,550,000 |
| Interest-bearing deposits | 101,220,000 | 99,669,000 | 96,399,000 | 94,268,000 |
| Noninterest-bearing deposits | 25,290,000 | 23,411,000 | 22,372,000 | 24,282,000 |
| Equity capital | 16,022,000 | 16,214,000 | 16,739,000 | 16,657,000 |
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 | 1,513,000 | 3,106,000 | 4,879,000 | 6,527,000 |
| Interest expense | 244,000 | 513,000 | 803,000 | 1,065,000 |
| Net interest income | 1,269,000 | 2,593,000 | 4,076,000 | 5,462,000 |
| Noninterest income | 114,000 | 238,000 | 356,000 | 403,000 |
| Noninterest expense | 762,000 | 1,433,000 | 2,083,000 | 2,936,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 100,000 |
| Pretax income | 621,000 | 1,397,000 | 2,298,000 | 2,824,000 |
| Income tax | 112,000 | 341,000 | 607,000 | 878,000 |
| Net income | 509,000 | 1,056,000 | 1,691,000 | 1,946,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,866,000 | 16,224,000 | 16,670,000 | 16,610,000 |
| Total capital | 17,043,000 | 17,401,000 | 17,898,000 | 17,889,000 |
| Risk-weighted assets | 123,458,000 | 142,094,000 | 146,798,000 | 141,046,000 |