Call reports 2016
TOWN & COUNTRY BANK — 2016
What TOWN & COUNTRY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 147,773,000 | 142,569,000 | 141,796,000 | 149,102,000 |
| Total loans | 104,949,000 | 106,913,000 | 103,243,000 | 109,840,000 |
| Allowance for loan losses | 3,688,000 | 3,491,000 | 3,542,000 | 3,085,000 |
| Securities available for sale | 821,000 | 821,000 | 816,000 | 810,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,157,000 | 126,375,000 | 124,913,000 | 132,492,000 |
| Interest-bearing deposits | 93,559,000 | 82,787,000 | 86,845,000 | 83,274,000 |
| Noninterest-bearing deposits | 37,598,000 | 43,588,000 | 38,068,000 | 49,218,000 |
| Equity capital | 16,328,000 | 15,975,000 | 16,564,000 | 16,337,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,450,000 | 2,971,000 | 4,497,000 | 6,034,000 |
| Interest expense | 89,000 | 178,000 | 269,000 | 357,000 |
| Net interest income | 1,361,000 | 2,793,000 | 4,228,000 | 5,677,000 |
| Noninterest income | 41,000 | 79,000 | 202,000 | 262,000 |
| Noninterest expense | 965,000 | 1,987,000 | 2,952,000 | 4,182,000 |
| Provision for loan losses | -40,000 | -240,000 | -240,000 | -740,000 |
| Pretax income | 477,000 | 1,125,000 | 1,718,000 | 2,497,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 477,000 | 1,125,000 | 1,718,000 | 2,497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,305,000 | 15,952,000 | 16,545,000 | 16,325,000 |
| Total capital | 17,791,000 | 17,449,000 | 17,989,000 | 17,871,000 |
| Risk-weighted assets | 116,564,000 | 117,697,000 | 113,347,000 | 122,042,000 |