Call reports 2013
TOWN-COUNTRY UNITED BANK — 2013
What TOWN-COUNTRY UNITED BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 99,979,000 | 99,384,000 | 101,500,000 | 104,921,000 |
| Total loans | 58,632,000 | 58,663,000 | 58,436,000 | 57,324,000 |
| Allowance for loan losses | 2,348,000 | 2,410,000 | 2,450,000 | 2,440,000 |
| Securities available for sale | 8,338,000 | 8,769,000 | 9,833,000 | 10,385,000 |
| Securities held to maturity | 19,252,000 | 18,802,000 | 18,355,000 | 18,223,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,655,000 | 84,920,000 | 86,759,000 | 89,987,000 |
| Interest-bearing deposits | 74,628,000 | 74,305,000 | 75,381,000 | 78,049,000 |
| Noninterest-bearing deposits | 11,027,000 | 10,615,000 | 11,378,000 | 11,938,000 |
| Equity capital | 13,544,000 | 13,598,000 | 13,750,000 | 13,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,166,000 | 2,384,000 | 3,604,000 | 4,828,000 |
| Interest expense | 172,000 | 339,000 | 502,000 | 675,000 |
| Net interest income | 994,000 | 2,045,000 | 3,102,000 | 4,153,000 |
| Noninterest income | 178,000 | 349,000 | 517,000 | 677,000 |
| Noninterest expense | 666,000 | 1,420,000 | 2,169,000 | 2,901,000 |
| Provision for loan losses | 80,000 | 155,000 | 225,000 | 245,000 |
| Pretax income | 426,000 | 819,000 | 1,225,000 | 1,684,000 |
| Income tax | 20,000 | 43,000 | 70,000 | 90,000 |
| Net income | 406,000 | 776,000 | 1,155,000 | 1,594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,572,000 | 13,792,000 | 14,020,000 | 14,085,000 |
| Total capital | 14,394,000 | 14,620,000 | 14,848,000 | 14,912,000 |
| Risk-weighted assets | 64,266,000 | 64,627,000 | 64,604,000 | 64,563,000 |