Call reports 2015
TOWN-COUNTRY UNITED BANK — 2015
What TOWN-COUNTRY UNITED BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 100,481,000 | 100,728,000 | 100,920,000 | 102,473,000 |
| Total loans | 60,215,000 | 60,818,000 | 61,114,000 | 61,567,000 |
| Allowance for loan losses | 2,493,000 | 2,488,000 | 2,477,000 | 2,496,000 |
| Securities available for sale | 14,178,000 | 13,772,000 | 14,419,000 | 14,961,000 |
| Securities held to maturity | 15,715,000 | 15,567,000 | 15,448,000 | 15,305,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,113,000 | 84,003,000 | 83,842,000 | 85,429,000 |
| Interest-bearing deposits | 73,501,000 | 72,488,000 | 71,808,000 | 73,061,000 |
| Noninterest-bearing deposits | 10,612,000 | 11,515,000 | 12,034,000 | 12,368,000 |
| Equity capital | 15,536,000 | 15,790,000 | 16,084,000 | 16,018,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,203,000 | 2,433,000 | 3,678,000 | 4,950,000 |
| Interest expense | 134,000 | 270,000 | 408,000 | 550,000 |
| Net interest income | 1,069,000 | 2,163,000 | 3,270,000 | 4,400,000 |
| Noninterest income | 173,000 | 342,000 | 498,000 | 663,000 |
| Noninterest expense | 729,000 | 1,443,000 | 2,228,000 | 3,020,000 |
| Provision for loan losses | 25,000 | 40,000 | 50,000 | 100,000 |
| Pretax income | 488,000 | 1,022,000 | 1,490,000 | 1,953,000 |
| Income tax | 27,000 | 54,000 | 81,000 | 108,000 |
| Net income | 461,000 | 968,000 | 1,409,000 | 1,845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,518,000 | 15,856,000 | 16,110,000 | 16,039,000 |
| Total capital | 16,357,000 | 16,704,000 | 17,002,000 | 16,941,000 |
| Risk-weighted assets | 65,466,000 | 66,172,000 | 69,814,000 | 70,576,000 |