Call reports 2014
TOWN AND COUNTRY BANK — 2014
What TOWN AND COUNTRY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 486,049,000 | 499,962,000 | 505,724,000 | 497,841,000 |
| Total loans | 333,191,000 | 345,464,000 | 357,791,000 | 354,484,000 |
| Allowance for loan losses | 3,361,000 | 3,447,000 | 3,476,000 | 3,504,000 |
| Securities available for sale | 85,896,000 | 89,049,000 | 85,378,000 | 81,180,000 |
| Securities held to maturity | 29,339,000 | 28,267,000 | 27,032,000 | 26,624,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 417,381,000 | 409,933,000 | 405,264,000 | 401,298,000 |
| Interest-bearing deposits | 344,446,000 | 335,662,000 | 337,124,000 | 330,511,000 |
| Noninterest-bearing deposits | 72,935,000 | 74,271,000 | 68,140,000 | 70,787,000 |
| Equity capital | 50,850,000 | 51,387,000 | 51,739,000 | 53,017,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,168,000 | 8,499,000 | 12,932,000 | 17,350,000 |
| Interest expense | 426,000 | 844,000 | 1,265,000 | 1,701,000 |
| Net interest income | 3,742,000 | 7,655,000 | 11,667,000 | 15,649,000 |
| Noninterest income | 1,166,000 | 2,494,000 | 3,934,000 | 5,625,000 |
| Noninterest expense | 3,890,000 | 7,951,000 | 12,045,000 | 15,970,000 |
| Provision for loan losses | 0 | 105,000 | 140,000 | 215,000 |
| Pretax income | 1,092,000 | 2,167,000 | 3,490,000 | 5,449,000 |
| Income tax | 351,000 | 701,000 | 1,149,000 | 1,858,000 |
| Net income | 741,000 | 1,466,000 | 2,341,000 | 3,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,964,000 | 46,281,000 | 46,720,000 | 47,375,000 |
| Total capital | 51,362,000 | 51,854,000 | 52,331,000 | 53,274,000 |
| Risk-weighted assets | 392,096,000 | 406,184,000 | 414,127,000 | 407,901,000 |