Call reports 2003
TOWN & COUNTRY BANK — 2003
What TOWN & COUNTRY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 53,432,000 | 52,701,000 | 52,884,000 | 70,647,000 |
| Total loans | 33,987,000 | 35,192,000 | 35,530,000 | 45,791,000 |
| Allowance for loan losses | 661,000 | 661,000 | 661,000 | 947,000 |
| Securities available for sale | 12,993,000 | 13,501,000 | 12,484,000 | 16,776,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,328,000 | 43,459,000 | 42,440,000 | 59,526,000 |
| Interest-bearing deposits | 38,974,000 | 32,541,000 | 32,279,000 | 45,774,000 |
| Noninterest-bearing deposits | 5,354,000 | 10,918,000 | 10,161,000 | 13,752,000 |
| Equity capital | 7,173,000 | 7,375,000 | 7,489,000 | 9,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 762,000 | 1,522,000 | 2,273,000 | 3,992,000 |
| Interest expense | 254,000 | 493,000 | 724,000 | 1,325,000 |
| Net interest income | 508,000 | 1,029,000 | 1,549,000 | 2,667,000 |
| Noninterest income | 50,000 | 104,000 | 148,000 | 378,000 |
| Noninterest expense | 332,000 | 627,000 | 904,000 | 1,951,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 226,000 | 506,000 | 793,000 | 1,074,000 |
| Income tax | 37,000 | 117,000 | 192,000 | 266,000 |
| Net income | 189,000 | 389,000 | 601,000 | 808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,987,000 | 7,093,000 | 7,306,000 | 8,979,000 |
| Total capital | 7,480,000 | 7,629,000 | 7,834,000 | 9,650,000 |
| Risk-weighted assets | 38,507,000 | 41,978,000 | 41,415,000 | 53,420,000 |
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