Call reports 2012
TOWN & COUNTRY BANK — 2012
What TOWN & COUNTRY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 159,855,000 | 159,694,000 | 152,631,000 | 139,285,000 |
| Total loans | 106,916,000 | 91,016,000 | 84,233,000 | 81,733,000 |
| Allowance for loan losses | 7,576,000 | 7,986,000 | 7,566,000 | 7,809,000 |
| Securities available for sale | 18,541,000 | 18,539,000 | 18,571,000 | 13,306,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,569,000 | 132,116,000 | 129,832,000 | 117,578,000 |
| Interest-bearing deposits | 108,654,000 | 103,671,000 | 102,393,000 | 91,821,000 |
| Noninterest-bearing deposits | 23,915,000 | 28,445,000 | 27,439,000 | 25,757,000 |
| Equity capital | 15,170,000 | 15,547,000 | 15,207,000 | 14,368,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,440,000 | 2,835,000 | 3,838,000 | 5,122,000 |
| Interest expense | 224,000 | 421,000 | 607,000 | 765,000 |
| Net interest income | 1,216,000 | 2,414,000 | 3,231,000 | 4,357,000 |
| Noninterest income | 269,000 | 457,000 | 333,000 | -446,000 |
| Noninterest expense | 1,268,000 | 3,130,000 | 4,335,000 | 5,540,000 |
| Provision for loan losses | 609,000 | 1,998,000 | 3,398,000 | 3,403,000 |
| Pretax income | -392,000 | -2,257,000 | -4,169,000 | -4,572,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -392,000 | -2,257,000 | -4,169,000 | -4,572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,683,000 | 15,018,000 | 14,606,000 | 14,203,000 |
| Total capital | 16,260,000 | 16,372,000 | 15,897,000 | 15,434,000 |
| Risk-weighted assets | 120,113,000 | 101,641,000 | 96,998,000 | 91,869,000 |