Call reports 2006
TOWN & COUNTRY BANK AND TRUST COMPANY — 2006
What TOWN & COUNTRY BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 266,868,000 | 270,126,000 | 275,589,000 | 282,021,000 |
| Total loans | 196,387,000 | 202,576,000 | 207,150,000 | 211,460,000 |
| Allowance for loan losses | 2,033,000 | 2,075,000 | 2,254,000 | 2,446,000 |
| Securities available for sale | 50,498,000 | 49,728,000 | 51,268,000 | 51,377,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,553,000 | 225,269,000 | 228,829,000 | 235,229,000 |
| Interest-bearing deposits | 174,890,000 | 171,706,000 | 176,479,000 | 179,579,000 |
| Noninterest-bearing deposits | 51,663,000 | 53,563,000 | 52,350,000 | 55,650,000 |
| Equity capital | 32,360,000 | 32,703,000 | 34,225,000 | 34,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,088,000 | 8,414,000 | 13,086,000 | 17,933,000 |
| Interest expense | 1,151,000 | 2,405,000 | 3,866,000 | 5,504,000 |
| Net interest income | 2,937,000 | 6,009,000 | 9,220,000 | 12,429,000 |
| Noninterest income | 819,000 | 1,669,000 | 2,553,000 | 3,458,000 |
| Noninterest expense | 2,362,000 | 4,712,000 | 7,149,000 | 9,878,000 |
| Provision for loan losses | 135,000 | 270,000 | 415,000 | 665,000 |
| Pretax income | 1,259,000 | 2,696,000 | 4,209,000 | 5,143,000 |
| Income tax | 320,000 | 771,000 | 1,221,000 | 1,537,000 |
| Net income | 939,000 | 1,925,000 | 2,988,000 | 3,606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,086,000 | 33,787,000 | 34,571,000 | 34,581,000 |
| Total capital | 35,119,000 | 35,862,000 | 36,825,000 | 37,027,000 |
| Risk-weighted assets | 196,436,000 | 202,489,000 | 209,434,000 | 216,281,000 |