Call reports 2016
TOWN-COUNTRY UNITED BANK — 2016
What TOWN-COUNTRY UNITED BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 102,700,000 | 101,801,000 | 104,864,000 | 107,985,000 |
| Total loans | 63,401,000 | 64,873,000 | 64,609,000 | 64,990,000 |
| Allowance for loan losses | 2,526,000 | 2,520,000 | 2,514,000 | 2,533,000 |
| Securities available for sale | 16,052,000 | 14,453,000 | 14,540,000 | 15,266,000 |
| Securities held to maturity | 14,624,000 | 14,462,000 | 13,808,000 | 13,481,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,179,000 | 83,641,000 | 86,399,000 | 90,077,000 |
| Interest-bearing deposits | 73,141,000 | 71,787,000 | 73,723,000 | 77,244,000 |
| Noninterest-bearing deposits | 12,038,000 | 11,854,000 | 12,676,000 | 12,833,000 |
| Equity capital | 16,618,000 | 17,106,000 | 17,333,000 | 16,790,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,261,000 | 2,565,000 | 3,873,000 | 5,195,000 |
| Interest expense | 139,000 | 275,000 | 417,000 | 562,000 |
| Net interest income | 1,122,000 | 2,290,000 | 3,456,000 | 4,633,000 |
| Noninterest income | 183,000 | 343,000 | 530,000 | 687,000 |
| Noninterest expense | 736,000 | 1,481,000 | 2,334,000 | 3,173,000 |
| Provision for loan losses | 30,000 | 60,000 | 105,000 | 166,000 |
| Pretax income | 539,000 | 1,095,000 | 1,561,000 | 1,995,000 |
| Income tax | 32,000 | 62,000 | 85,000 | 114,000 |
| Net income | 507,000 | 1,033,000 | 1,476,000 | 1,881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,546,000 | 16,904,000 | 17,159,000 | 17,038,000 |
| Total capital | 17,467,000 | 17,816,000 | 18,028,000 | 17,945,000 |
| Risk-weighted assets | 72,048,000 | 71,367,000 | 67,859,000 | 70,958,000 |