Call reports 2010
TOWN-COUNTRY UNITED BANK — 2010
What TOWN-COUNTRY UNITED BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 89,448,000 | 88,393,000 | 91,125,000 | 93,125,000 |
| Total loans | 58,746,000 | 60,721,000 | 60,147,000 | 60,182,000 |
| Allowance for loan losses | 1,401,000 | 1,518,000 | 1,614,000 | 1,623,000 |
| Securities available for sale | 9,217,000 | 8,769,000 | 8,468,000 | 9,260,000 |
| Securities held to maturity | 8,565,000 | 8,975,000 | 9,292,000 | 10,410,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,703,000 | 76,404,000 | 78,835,000 | 80,881,000 |
| Interest-bearing deposits | 67,083,000 | 66,933,000 | 70,096,000 | 71,535,000 |
| Noninterest-bearing deposits | 10,620,000 | 9,471,000 | 8,739,000 | 9,346,000 |
| Equity capital | 11,016,000 | 11,221,000 | 11,476,000 | 11,426,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,305,000 | 2,652,000 | 3,994,000 | 5,293,000 |
| Interest expense | 328,000 | 643,000 | 967,000 | 1,289,000 |
| Net interest income | 977,000 | 2,009,000 | 3,027,000 | 4,004,000 |
| Noninterest income | 218,000 | 408,000 | 623,000 | 804,000 |
| Noninterest expense | 695,000 | 1,420,000 | 2,134,000 | 2,877,000 |
| Provision for loan losses | 125,000 | 425,000 | 600,000 | 750,000 |
| Pretax income | 375,000 | 572,000 | 916,000 | 1,181,000 |
| Income tax | 17,000 | 23,000 | 39,000 | 63,000 |
| Net income | 358,000 | 549,000 | 877,000 | 1,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,957,000 | 11,073,000 | 11,326,000 | 11,492,000 |
| Total capital | 11,771,000 | 11,865,000 | 12,103,000 | 12,276,000 |
| Risk-weighted assets | 64,531,000 | 62,632,000 | 61,354,000 | 61,897,000 |