Call reports 2015
TOWN AND COUNTRY BANK — 2015
What TOWN AND COUNTRY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 495,814,000 | 514,958,000 | 502,223,000 | 516,267,000 |
| Total loans | 340,603,000 | 361,512,000 | 360,979,000 | 369,038,000 |
| Allowance for loan losses | 3,596,000 | 3,829,000 | 3,951,000 | 4,278,000 |
| Securities available for sale | 82,398,000 | 77,145,000 | 70,058,000 | 75,559,000 |
| Securities held to maturity | 30,172,000 | 33,943,000 | 32,414,000 | 31,215,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 408,806,000 | 410,930,000 | 402,156,000 | 408,330,000 |
| Interest-bearing deposits | 331,544,000 | 329,800,000 | 329,547,000 | 330,352,000 |
| Noninterest-bearing deposits | 77,262,000 | 81,130,000 | 72,609,000 | 77,978,000 |
| Equity capital | 53,353,000 | 53,470,000 | 52,398,000 | 51,015,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,225,000 | 8,683,000 | 13,279,000 | 18,049,000 |
| Interest expense | 377,000 | 748,000 | 1,149,000 | 1,578,000 |
| Net interest income | 3,848,000 | 7,935,000 | 12,130,000 | 16,471,000 |
| Noninterest income | 1,530,000 | 3,138,000 | 5,118,000 | 6,927,000 |
| Noninterest expense | 3,911,000 | 7,979,000 | 12,195,000 | 17,076,000 |
| Provision for loan losses | 125,000 | 340,000 | 680,000 | 1,030,000 |
| Pretax income | 1,342,000 | 2,754,000 | 5,441,000 | 6,599,000 |
| Income tax | 456,000 | 908,000 | 1,835,000 | 2,172,000 |
| Net income | 886,000 | 1,846,000 | 3,606,000 | 4,427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,885,000 | 46,962,000 | 47,511,000 | 46,444,000 |
| Total capital | 52,729,000 | 52,362,000 | 52,024,000 | 51,137,000 |
| Risk-weighted assets | 374,815,000 | 389,937,000 | 401,185,000 | 408,455,000 |