Call reports 2007
TOWN & COUNTRY BANK — 2007
What TOWN & COUNTRY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 427,414,000 | 425,217,000 | 426,583,000 | 438,196,000 |
| Total loans | 331,850,000 | 336,016,000 | 338,133,000 | 350,689,000 |
| Allowance for loan losses | 3,470,000 | 3,539,000 | 3,589,000 | 3,683,000 |
| Securities available for sale | 59,185,000 | 57,926,000 | 60,830,000 | 58,892,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 376,309,000 | 375,782,000 | 375,583,000 | 380,576,000 |
| Interest-bearing deposits | 362,365,000 | 339,062,000 | 339,444,000 | 342,557,000 |
| Noninterest-bearing deposits | 13,944,000 | 36,720,000 | 36,139,000 | 38,019,000 |
| Equity capital | 43,251,000 | 41,420,000 | 43,033,000 | 44,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,804,000 | 13,853,000 | 21,033,000 | 28,290,000 |
| Interest expense | 3,159,000 | 6,445,000 | 9,824,000 | 13,192,000 |
| Net interest income | 3,645,000 | 7,408,000 | 11,209,000 | 15,098,000 |
| Noninterest income | 697,000 | 1,416,000 | 2,054,000 | 2,745,000 |
| Noninterest expense | 2,517,000 | 4,832,000 | 7,343,000 | 9,649,000 |
| Provision for loan losses | 61,000 | 137,000 | 215,000 | 422,000 |
| Pretax income | 1,764,000 | 3,855,000 | 5,705,000 | 7,772,000 |
| Income tax | 18,000 | 38,000 | 59,000 | 79,000 |
| Net income | 1,746,000 | 3,817,000 | 5,646,000 | 7,693,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,326,000 | 37,324,000 | 38,240,000 | 38,749,000 |
| Total capital | 41,700,000 | 40,729,000 | 41,660,000 | 42,311,000 |
| Risk-weighted assets | 269,929,000 | 272,380,000 | 273,422,000 | 284,872,000 |