Call reports 2006
TOWN & COUNTRY BANK — 2006
What TOWN & COUNTRY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 144,241,000 | 169,157,000 | 151,965,000 | 165,846,000 |
| Total loans | 119,763,000 | 115,225,000 | 122,562,000 | 126,227,000 |
| Allowance for loan losses | 1,300,000 | 1,325,000 | 1,325,000 | 1,500,000 |
| Securities available for sale | 14,173,000 | 11,162,000 | 11,161,000 | 6,304,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,608,000 | 152,951,000 | 135,281,000 | 148,906,000 |
| Interest-bearing deposits | 113,073,000 | 143,008,000 | 124,786,000 | 140,731,000 |
| Noninterest-bearing deposits | 11,535,000 | 9,943,000 | 10,495,000 | 8,175,000 |
| Equity capital | 14,737,000 | 15,016,000 | 15,479,000 | 16,109,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,737,000 | 5,597,000 | 8,623,000 | 12,169,000 |
| Interest expense | 1,111,000 | 2,401,000 | 3,847,000 | 5,429,000 |
| Net interest income | 1,626,000 | 3,196,000 | 4,776,000 | 6,740,000 |
| Noninterest income | 19,000 | 40,000 | 60,000 | 70,000 |
| Noninterest expense | 868,000 | 1,733,000 | 2,610,000 | 3,604,000 |
| Provision for loan losses | 0 | 25,000 | 25,000 | 200,000 |
| Pretax income | 777,000 | 1,478,000 | 2,201,000 | 3,006,000 |
| Income tax | 10,000 | 21,000 | 31,000 | 0 |
| Net income | 767,000 | 1,457,000 | 2,170,000 | 3,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,905,000 | 15,195,000 | 15,658,000 | 16,144,000 |
| Total capital | 16,240,000 | 16,555,000 | 17,018,000 | 17,679,000 |
| Risk-weighted assets | 127,638,000 | 128,063,000 | 130,572,000 | 139,702,000 |