Call reports 2013
TOWN AND COUNTRY BANK — 2013
What TOWN AND 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 | 465,694,000 | 472,449,000 | 491,255,000 | 509,044,000 |
| Total loans | 290,963,000 | 315,104,000 | 328,582,000 | 347,989,000 |
| Allowance for loan losses | 3,242,000 | 3,394,000 | 3,364,000 | 3,508,000 |
| Securities available for sale | 93,999,000 | 87,048,000 | 90,167,000 | 82,896,000 |
| Securities held to maturity | 29,902,000 | 33,965,000 | 31,877,000 | 30,697,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 398,102,000 | 387,430,000 | 390,122,000 | 415,623,000 |
| Interest-bearing deposits | 338,769,000 | 326,459,000 | 327,703,000 | 342,248,000 |
| Noninterest-bearing deposits | 59,333,000 | 60,971,000 | 62,419,000 | 73,375,000 |
| Equity capital | 50,432,000 | 50,810,000 | 51,380,000 | 50,611,000 |
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 | 3,945,000 | 7,975,000 | 12,333,000 | 16,655,000 |
| Interest expense | 512,000 | 965,000 | 1,412,000 | 1,841,000 |
| Net interest income | 3,433,000 | 7,010,000 | 10,921,000 | 14,814,000 |
| Noninterest income | 1,726,000 | 3,514,000 | 4,988,000 | 6,795,000 |
| Noninterest expense | 4,118,000 | 8,179,000 | 12,151,000 | 16,069,000 |
| Provision for loan losses | 50,000 | 275,000 | 391,000 | 566,000 |
| Pretax income | 1,261,000 | 2,579,000 | 3,876,000 | 5,616,000 |
| Income tax | 453,000 | 922,000 | 1,371,000 | 1,998,000 |
| Net income | 808,000 | 1,657,000 | 2,505,000 | 3,618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,070,000 | 45,600,000 | 46,095,000 | 45,624,000 |
| Total capital | 50,286,000 | 51,050,000 | 51,594,000 | 51,325,000 |
| Risk-weighted assets | 342,314,000 | 360,348,000 | 378,977,000 | 402,112,000 |