Call reports 2004
TOWN & COUNTRY BANK — 2004
What TOWN & COUNTRY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 73,453,000 | 75,105,000 | 77,015,000 | 74,849,000 |
| Total loans | 45,080,000 | 49,889,000 | 52,105,000 | 49,859,000 |
| Allowance for loan losses | 920,000 | 951,000 | 960,000 | 954,000 |
| Securities available for sale | 20,178,000 | 19,350,000 | 19,459,000 | 19,038,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,058,000 | 62,517,000 | 60,998,000 | 62,385,000 |
| Interest-bearing deposits | 54,228,000 | 55,698,000 | 54,397,000 | 54,053,000 |
| Noninterest-bearing deposits | 7,830,000 | 6,819,000 | 6,601,000 | 8,332,000 |
| Equity capital | 9,354,000 | 9,175,000 | 9,495,000 | 9,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 974,000 | 2,025,000 | 3,118,000 | 4,209,000 |
| Interest expense | 312,000 | 625,000 | 948,000 | 1,270,000 |
| Net interest income | 662,000 | 1,400,000 | 2,170,000 | 2,939,000 |
| Noninterest income | 81,000 | 195,000 | 296,000 | 389,000 |
| Noninterest expense | 484,000 | 938,000 | 1,363,000 | 1,962,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 259,000 | 657,000 | 1,103,000 | 1,366,000 |
| Income tax | 36,000 | 135,000 | 246,000 | 348,000 |
| Net income | 223,000 | 522,000 | 857,000 | 1,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,076,000 | 9,249,000 | 9,384,000 | 9,330,000 |
| Total capital | 9,746,000 | 9,913,000 | 10,040,000 | 10,053,000 |
| Risk-weighted assets | 53,503,000 | 52,903,000 | 52,172,000 | 57,617,000 |
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