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 | 35,531,000 | 50,817,000 | 67,787,000 | 80,374,000 |
| Total loans | 24,228,000 | 29,388,000 | 43,512,000 | 46,921,000 |
| Allowance for loan losses | 245,000 | 350,000 | 410,000 | 475,000 |
| Securities available for sale | 0 | 0 | 6,929,000 | 20,984,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,959,000 | 43,227,000 | 60,079,000 | 70,273,000 |
| Interest-bearing deposits | 27,940,000 | 41,497,000 | 56,637,000 | 66,876,000 |
| Noninterest-bearing deposits | 2,019,000 | 1,730,000 | 3,442,000 | 3,397,000 |
| Equity capital | 5,306,000 | 7,268,000 | 7,321,000 | 9,748,000 |
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 | 355,000 | 933,000 | 1,671,000 | 2,591,000 |
| Interest expense | 132,000 | 339,000 | 567,000 | 875,000 |
| Net interest income | 223,000 | 594,000 | 1,104,000 | 1,716,000 |
| Noninterest income | 8,000 | 21,000 | 52,000 | 67,000 |
| Noninterest expense | 342,000 | 657,000 | 1,002,000 | 1,259,000 |
| Provision for loan losses | 60,000 | 165,000 | 225,000 | 290,000 |
| Pretax income | -171,000 | -207,000 | -71,000 | 234,000 |
| Income tax | 0 | 2,000 | 5,000 | 9,000 |
| Net income | -171,000 | -209,000 | -76,000 | 225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,306,000 | 7,268,000 | 7,401,000 | 9,852,000 |
| Total capital | 5,551,000 | 7,618,000 | 7,811,000 | 10,327,000 |
| Risk-weighted assets | 26,218,000 | 33,745,000 | 48,013,000 | 55,321,000 |