Call reports 2006
TOWN AND COUNTRY BANK — 2006
What TOWN AND 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 | 241,241,000 | 238,607,000 | 237,850,000 | 243,568,000 |
| Total loans | 160,317,000 | 157,169,000 | 160,675,000 | 166,364,000 |
| Allowance for loan losses | 1,838,000 | 1,805,000 | 1,851,000 | 1,911,000 |
| Securities available for sale | 59,464,000 | 58,433,000 | 58,989,000 | 56,205,000 |
| Securities held to maturity | 2,068,000 | 2,068,000 | 2,068,000 | 1,938,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,167,000 | 176,640,000 | 176,200,000 | 184,120,000 |
| Interest-bearing deposits | 153,802,000 | 153,269,000 | 154,661,000 | 155,766,000 |
| Noninterest-bearing deposits | 25,365,000 | 23,371,000 | 21,539,000 | 28,354,000 |
| Equity capital | 32,403,000 | 32,267,000 | 32,231,000 | 31,385,000 |
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 | 3,228,000 | 6,483,000 | 9,811,000 | 13,190,000 |
| Interest expense | 1,533,000 | 3,060,000 | 4,686,000 | 6,386,000 |
| Net interest income | 1,695,000 | 3,423,000 | 5,125,000 | 6,804,000 |
| Noninterest income | 1,535,000 | 2,058,000 | 2,568,000 | 3,137,000 |
| Noninterest expense | 1,461,000 | 2,861,000 | 4,276,000 | 5,732,000 |
| Provision for loan losses | 35,000 | 41,000 | 100,000 | 198,000 |
| Pretax income | 1,688,000 | 2,533,000 | 3,275,000 | 3,969,000 |
| Income tax | 544,000 | 761,000 | 895,000 | 1,027,000 |
| Net income | 1,144,000 | 1,772,000 | 2,380,000 | 2,942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,553,000 | 20,407,000 | 20,239,000 | 20,026,000 |
| Total capital | 31,100,000 | 31,061,000 | 30,844,000 | 30,194,000 |
| Risk-weighted assets | 181,734,000 | 177,810,000 | 182,792,000 | 188,232,000 |