Call reports 2014
TOWN-COUNTRY UNITED BANK — 2014
What TOWN-COUNTRY UNITED BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 103,924,000 | 101,127,000 | 99,037,000 | 100,268,000 |
| Total loans | 57,970,000 | 59,515,000 | 60,285,000 | 60,369,000 |
| Allowance for loan losses | 2,471,000 | 2,508,000 | 2,493,000 | 2,448,000 |
| Securities available for sale | 11,620,000 | 12,466,000 | 12,064,000 | 12,251,000 |
| Securities held to maturity | 18,032,000 | 17,119,000 | 16,652,000 | 16,086,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,768,000 | 85,510,000 | 82,971,000 | 84,251,000 |
| Interest-bearing deposits | 77,193,000 | 74,521,000 | 72,550,000 | 72,472,000 |
| Noninterest-bearing deposits | 11,575,000 | 10,989,000 | 10,421,000 | 11,779,000 |
| Equity capital | 14,283,000 | 14,712,000 | 15,072,000 | 15,018,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,198,000 | 2,421,000 | 3,649,000 | 4,845,000 |
| Interest expense | 151,000 | 296,000 | 436,000 | 574,000 |
| Net interest income | 1,047,000 | 2,125,000 | 3,213,000 | 4,271,000 |
| Noninterest income | 166,000 | 330,000 | 495,000 | 657,000 |
| Noninterest expense | 681,000 | 1,343,000 | 2,074,000 | 2,853,000 |
| Provision for loan losses | 45,000 | 85,000 | 125,000 | 157,000 |
| Pretax income | 487,000 | 1,027,000 | 1,509,000 | 1,898,000 |
| Income tax | 28,000 | 56,000 | 81,000 | 101,000 |
| Net income | 459,000 | 971,000 | 1,428,000 | 1,797,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,544,000 | 14,887,000 | 15,176,000 | 15,057,000 |
| Total capital | 15,375,000 | 15,711,000 | 16,005,000 | 15,890,000 |
| Risk-weighted assets | 64,844,000 | 64,235,000 | 64,647,000 | 64,990,000 |