Call reports 2005
TOWN & COUNTRY BANK — 2005
What TOWN & COUNTRY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 73,947,000 | 76,720,000 | 81,344,000 | 78,149,000 |
| Total loans | 48,605,000 | 51,214,000 | 55,380,000 | 51,557,000 |
| Allowance for loan losses | 955,000 | 956,000 | 958,000 | 960,000 |
| Securities available for sale | 20,272,000 | 20,397,000 | 20,208,000 | 19,753,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,306,000 | 62,683,000 | 60,828,000 | 63,742,000 |
| Interest-bearing deposits | 55,063,000 | 55,638,000 | 53,594,000 | 55,190,000 |
| Noninterest-bearing deposits | 7,243,000 | 7,045,000 | 7,234,000 | 8,552,000 |
| Equity capital | 9,287,000 | 9,646,000 | 9,661,000 | 9,382,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,055,000 | 2,184,000 | 3,409,000 | 4,628,000 |
| Interest expense | 323,000 | 672,000 | 1,056,000 | 1,494,000 |
| Net interest income | 732,000 | 1,512,000 | 2,353,000 | 3,134,000 |
| Noninterest income | 82,000 | 179,000 | 269,000 | 351,000 |
| Noninterest expense | 505,000 | 978,000 | 1,448,000 | 2,069,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 309,000 | 713,000 | 1,174,000 | 1,416,000 |
| Income tax | 44,000 | 153,000 | 269,000 | 372,000 |
| Net income | 265,000 | 560,000 | 905,000 | 1,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,522,000 | 9,593,000 | 9,825,000 | 9,591,000 |
| Total capital | 10,179,000 | 10,245,000 | 10,582,000 | 10,308,000 |
| Risk-weighted assets | 52,290,000 | 55,631,000 | 60,444,000 | 57,141,000 |
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