Call reports 2011
TOWN AND COUNTRY BANK — 2011
What TOWN AND COUNTRY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 48,670,000 | 47,604,000 | 47,819,000 | 49,519,000 |
| Total loans | 35,841,000 | 36,919,000 | 36,346,000 | 37,406,000 |
| Allowance for loan losses | 794,000 | 825,000 | 851,000 | 1,450,000 |
| Securities available for sale | 5,956,000 | 6,451,000 | 6,085,000 | 5,582,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,023,000 | 42,657,000 | 42,853,000 | 44,134,000 |
| Interest-bearing deposits | 40,786,000 | 38,313,000 | 38,176,000 | 38,527,000 |
| Noninterest-bearing deposits | 3,237,000 | 4,344,000 | 4,677,000 | 5,607,000 |
| Equity capital | 4,559,000 | 4,823,000 | 4,818,000 | 5,199,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 544,000 | 1,080,000 | 1,630,000 | 2,235,000 |
| Interest expense | 167,000 | 332,000 | 487,000 | 614,000 |
| Net interest income | 377,000 | 748,000 | 1,143,000 | 1,621,000 |
| Noninterest income | 71,000 | 125,000 | 198,000 | 280,000 |
| Noninterest expense | 524,000 | 1,046,000 | 1,475,000 | 1,959,000 |
| Provision for loan losses | 60,000 | 90,000 | 205,000 | 950,000 |
| Pretax income | -136,000 | -263,000 | -339,000 | -1,008,000 |
| Income tax | -53,000 | -102,000 | -132,000 | -394,000 |
| Net income | -83,000 | -161,000 | -207,000 | -614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,855,000 | 4,033,000 | 3,959,000 | 4,075,000 |
| Total capital | 4,274,000 | 4,439,000 | 4,369,000 | 4,498,000 |
| Risk-weighted assets | 33,149,000 | 32,075,000 | 32,375,000 | 32,866,000 |