Call reports 2006
TOWN & COUNTRY BANK — 2006
What TOWN & COUNTRY BANK 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 | 410,585,000 | 418,903,000 | 415,895,000 | 417,535,000 |
| Total loans | 315,643,000 | 327,281,000 | 331,893,000 | 332,206,000 |
| Allowance for loan losses | 3,278,000 | 3,334,000 | 3,391,000 | 3,413,000 |
| Securities available for sale | 59,372,000 | 55,732,000 | 54,150,000 | 55,625,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 359,196,000 | 369,619,000 | 365,765,000 | 368,728,000 |
| Interest-bearing deposits | 319,685,000 | 353,440,000 | 353,720,000 | 356,661,000 |
| Noninterest-bearing deposits | 39,511,000 | 16,179,000 | 12,045,000 | 12,067,000 |
| Equity capital | 40,539,000 | 40,354,000 | 42,181,000 | 41,650,000 |
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 | 5,888,000 | 12,188,000 | 18,803,000 | 25,593,000 |
| Interest expense | 2,354,000 | 4,957,000 | 7,908,000 | 11,041,000 |
| Net interest income | 3,534,000 | 7,231,000 | 10,895,000 | 14,552,000 |
| Noninterest income | 687,000 | 1,343,000 | 1,981,000 | 2,685,000 |
| Noninterest expense | 2,454,000 | 4,690,000 | 7,192,000 | 9,453,000 |
| Provision for loan losses | 85,000 | 167,000 | 260,000 | 349,000 |
| Pretax income | 1,682,000 | 3,717,000 | 5,424,000 | 7,435,000 |
| Income tax | 12,000 | 32,000 | 52,000 | 67,000 |
| Net income | 1,670,000 | 3,685,000 | 5,372,000 | 7,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,131,000 | 36,524,000 | 37,554,000 | 36,842,000 |
| Total capital | 39,331,000 | 39,836,000 | 40,879,000 | 40,180,000 |
| Risk-weighted assets | 255,556,000 | 264,279,000 | 265,902,000 | 267,538,000 |