Call reports 2007
TOWN-COUNTRY UNITED BANK — 2007
What TOWN-COUNTRY UNITED BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 79,384,000 | 79,479,000 | 80,525,000 | 82,081,000 |
| Total loans | 51,156,000 | 51,941,000 | 52,097,000 | 53,365,000 |
| Allowance for loan losses | 1,169,000 | 1,200,000 | 1,211,000 | 1,206,000 |
| Securities available for sale | 10,075,000 | 10,172,000 | 10,297,000 | 9,599,000 |
| Securities held to maturity | 8,868,000 | 8,896,000 | 8,815,000 | 8,572,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,397,000 | 68,822,000 | 70,053,000 | 71,365,000 |
| Interest-bearing deposits | 59,401,000 | 59,604,000 | 60,663,000 | 61,333,000 |
| Noninterest-bearing deposits | 9,996,000 | 9,218,000 | 9,390,000 | 10,032,000 |
| Equity capital | 9,386,000 | 9,540,000 | 9,803,000 | 10,083,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,422,000 | 2,875,000 | 4,343,000 | 5,842,000 |
| Interest expense | 646,000 | 1,317,000 | 2,003,000 | 2,670,000 |
| Net interest income | 776,000 | 1,558,000 | 2,340,000 | 3,172,000 |
| Noninterest income | 144,000 | 278,000 | 428,000 | 578,000 |
| Noninterest expense | 574,000 | 1,157,000 | 1,783,000 | 2,457,000 |
| Provision for loan losses | 35,000 | 72,000 | 123,000 | 183,000 |
| Pretax income | 311,000 | 607,000 | 862,000 | 1,110,000 |
| Income tax | 96,000 | 174,000 | 257,000 | 269,000 |
| Net income | 215,000 | 433,000 | 605,000 | 841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,476,000 | 9,695,000 | 9,866,000 | 10,103,000 |
| Total capital | 10,200,000 | 10,436,000 | 10,615,000 | 10,874,000 |
| Risk-weighted assets | 57,495,000 | 58,831,000 | 59,480,000 | 61,265,000 |