Call reports 2006
TOWN-COUNTRY UNITED BANK — 2006
What TOWN-COUNTRY UNITED 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 | 79,834,000 | 79,777,000 | 79,597,000 | 78,847,000 |
| Total loans | 50,091,000 | 50,623,000 | 50,121,000 | 50,324,000 |
| Allowance for loan losses | 1,065,000 | 1,119,000 | 1,167,000 | 1,134,000 |
| Securities available for sale | 10,122,000 | 9,914,000 | 10,092,000 | 10,090,000 |
| Securities held to maturity | 8,955,000 | 9,202,000 | 9,185,000 | 9,024,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,601,000 | 70,414,000 | 69,829,000 | 68,838,000 |
| Interest-bearing deposits | 57,836,000 | 56,795,000 | 56,095,000 | 59,529,000 |
| Noninterest-bearing deposits | 12,765,000 | 13,619,000 | 13,734,000 | 9,309,000 |
| Equity capital | 8,754,000 | 8,828,000 | 9,172,000 | 9,426,000 |
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 | 1,258,000 | 2,571,000 | 3,939,000 | 5,344,000 |
| Interest expense | 456,000 | 983,000 | 1,549,000 | 2,181,000 |
| Net interest income | 802,000 | 1,588,000 | 2,390,000 | 3,163,000 |
| Noninterest income | 147,000 | 277,000 | 412,000 | 542,000 |
| Noninterest expense | 574,000 | 1,183,000 | 1,792,000 | 2,410,000 |
| Provision for loan losses | 75,000 | 150,000 | 205,000 | 220,000 |
| Pretax income | 300,000 | 532,000 | 805,000 | 1,075,000 |
| Income tax | 95,000 | 157,000 | 230,000 | 264,000 |
| Net income | 205,000 | 375,000 | 575,000 | 811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,925,000 | 9,095,000 | 9,296,000 | 9,532,000 |
| Total capital | 9,623,000 | 9,807,000 | 10,004,000 | 10,244,000 |
| Risk-weighted assets | 55,445,000 | 56,540,000 | 56,169,000 | 56,529,000 |