Call reports 2005
TOWN-COUNTRY UNITED BANK — 2005
What TOWN-COUNTRY UNITED BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 79,387,000 | 77,139,000 | 75,848,000 | 77,996,000 |
| Total loans | 47,550,000 | 47,429,000 | 48,773,000 | 50,101,000 |
| Allowance for loan losses | 956,000 | 998,000 | 1,026,000 | 1,012,000 |
| Securities available for sale | 8,680,000 | 9,980,000 | 10,282,000 | 10,038,000 |
| Securities held to maturity | 8,109,000 | 8,762,000 | 9,072,000 | 9,049,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,271,000 | 68,189,000 | 66,697,000 | 68,626,000 |
| Interest-bearing deposits | 58,875,000 | 57,844,000 | 56,241,000 | 57,425,000 |
| Noninterest-bearing deposits | 10,396,000 | 10,345,000 | 10,456,000 | 11,201,000 |
| Equity capital | 8,206,000 | 8,491,000 | 8,653,000 | 8,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,161,000 | 2,351,000 | 3,565,000 | 4,798,000 |
| Interest expense | 336,000 | 685,000 | 1,059,000 | 1,477,000 |
| Net interest income | 825,000 | 1,666,000 | 2,506,000 | 3,321,000 |
| Noninterest income | 125,000 | 242,000 | 368,000 | 500,000 |
| Noninterest expense | 512,000 | 1,135,000 | 1,720,000 | 2,312,000 |
| Provision for loan losses | 90,000 | 180,000 | 260,000 | 335,000 |
| Pretax income | 348,000 | 593,000 | 894,000 | 1,174,000 |
| Income tax | 106,000 | 179,000 | 261,000 | 292,000 |
| Net income | 242,000 | 414,000 | 633,000 | 882,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,347,000 | 8,519,000 | 8,738,000 | 8,987,000 |
| Total capital | 9,021,000 | 9,191,000 | 9,423,000 | 9,680,000 |
| Risk-weighted assets | 53,599,000 | 53,435,000 | 54,432,000 | 55,144,000 |