Call reports 2016
TOWN & COUNTRY BANK — 2016
What TOWN & COUNTRY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 507,479,000 | 506,206,000 | 513,215,000 | 506,652,000 |
| Total loans | 366,663,000 | 372,003,000 | 371,181,000 | 370,495,000 |
| Allowance for loan losses | 5,402,000 | 5,345,000 | 5,313,000 | 4,871,000 |
| Securities available for sale | 90,150,000 | 89,237,000 | 85,760,000 | 80,249,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 427,657,000 | 425,974,000 | 432,229,000 | 432,478,000 |
| Interest-bearing deposits | 355,522,000 | 354,496,000 | 358,206,000 | 358,469,000 |
| Noninterest-bearing deposits | 72,135,000 | 71,478,000 | 74,023,000 | 74,009,000 |
| Equity capital | 63,069,000 | 61,921,000 | 62,883,000 | 57,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,974,000 | 10,001,000 | 15,005,000 | 19,971,000 |
| Interest expense | 433,000 | 864,000 | 1,305,000 | 1,743,000 |
| Net interest income | 4,541,000 | 9,137,000 | 13,700,000 | 18,228,000 |
| Noninterest income | 929,000 | 1,908,000 | 2,895,000 | 3,622,000 |
| Noninterest expense | 3,688,000 | 7,247,000 | 10,993,000 | 14,609,000 |
| Provision for loan losses | -2,000 | -2,000 | -1,000 | -345,000 |
| Pretax income | 1,784,000 | 3,808,000 | 5,611,000 | 7,594,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,784,000 | 3,808,000 | 5,611,000 | 7,594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,755,000 | 55,441,000 | 56,382,000 | 52,841,000 |
| Total capital | 60,891,000 | 59,658,000 | 60,671,000 | 57,082,000 |
| Risk-weighted assets | 329,604,000 | 336,281,000 | 342,067,000 | 338,626,000 |