Call reports 2008
TOWN-COUNTRY UNITED BANK — 2008
What TOWN-COUNTRY UNITED BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 81,728,000 | 82,722,000 | 83,052,000 | 84,686,000 |
| Total loans | 53,024,000 | 55,637,000 | 58,193,000 | 59,098,000 |
| Allowance for loan losses | 1,280,000 | 1,240,000 | 1,265,000 | 1,186,000 |
| Securities available for sale | 7,675,000 | 8,301,000 | 7,976,000 | 8,346,000 |
| Securities held to maturity | 8,248,000 | 8,353,000 | 8,581,000 | 8,478,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,043,000 | 71,924,000 | 71,868,000 | 72,061,000 |
| Interest-bearing deposits | 61,525,000 | 62,491,000 | 62,624,000 | 62,586,000 |
| Noninterest-bearing deposits | 9,518,000 | 9,433,000 | 9,244,000 | 9,475,000 |
| Equity capital | 9,934,000 | 10,046,000 | 10,304,000 | 10,615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,470,000 | 2,889,000 | 4,329,000 | 5,764,000 |
| Interest expense | 647,000 | 1,222,000 | 1,745,000 | 2,241,000 |
| Net interest income | 823,000 | 1,667,000 | 2,584,000 | 3,523,000 |
| Noninterest income | 162,000 | 393,000 | 634,000 | 874,000 |
| Noninterest expense | 632,000 | 1,289,000 | 1,945,000 | 2,741,000 |
| Provision for loan losses | 70,000 | 145,000 | 245,000 | 490,000 |
| Pretax income | 283,000 | 626,000 | 1,028,000 | 1,166,000 |
| Income tax | 85,000 | 198,000 | 337,000 | 303,000 |
| Net income | 198,000 | 428,000 | 691,000 | 863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,904,000 | 10,134,000 | 10,397,000 | 10,569,000 |
| Total capital | 10,669,000 | 10,929,000 | 11,214,000 | 11,396,000 |
| Risk-weighted assets | 60,707,000 | 63,180,000 | 64,948,000 | 65,774,000 |