Call reports 2013
TOWN & COUNTRY BANK — 2013
What TOWN & COUNTRY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 522,119,000 | 509,271,000 | 510,065,000 | 500,591,000 |
| Total loans | 382,168,000 | 383,179,000 | 376,208,000 | 374,256,000 |
| Allowance for loan losses | 5,807,000 | 5,920,000 | 5,518,000 | 5,527,000 |
| Securities available for sale | 90,626,000 | 86,456,000 | 87,202,000 | 86,691,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 436,898,000 | 430,446,000 | 425,870,000 | 419,180,000 |
| Interest-bearing deposits | 382,121,000 | 374,083,000 | 365,591,000 | 363,155,000 |
| Noninterest-bearing deposits | 54,777,000 | 56,363,000 | 60,279,000 | 56,025,000 |
| Equity capital | 59,654,000 | 57,090,000 | 58,210,000 | 58,630,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,356,000 | 10,733,000 | 16,042,000 | 21,354,000 |
| Interest expense | 802,000 | 1,542,000 | 2,210,000 | 2,841,000 |
| Net interest income | 4,554,000 | 9,191,000 | 13,832,000 | 18,513,000 |
| Noninterest income | 931,000 | 1,788,000 | 2,681,000 | 3,773,000 |
| Noninterest expense | 3,393,000 | 6,973,000 | 10,694,000 | 14,447,000 |
| Provision for loan losses | 676,000 | 835,000 | 964,000 | 1,393,000 |
| Pretax income | 1,416,000 | 3,171,000 | 4,855,000 | 6,446,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,416,000 | 3,171,000 | 4,855,000 | 6,446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,347,000 | 50,953,000 | 52,159,000 | 52,810,000 |
| Total capital | 56,196,000 | 54,789,000 | 55,946,000 | 56,606,000 |
| Risk-weighted assets | 305,990,000 | 304,788,000 | 301,250,000 | 301,920,000 |