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 | 108,224,000 | 117,316,000 | 111,955,000 | 112,679,000 |
| Total loans | 57,194,000 | 62,527,000 | 74,856,000 | 82,535,000 |
| Allowance for loan losses | 540,000 | 640,000 | 800,000 | 865,000 |
| Securities available for sale | 16,387,000 | 30,907,000 | 24,617,000 | 22,294,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,527,000 | 106,429,000 | 100,341,000 | 100,695,000 |
| Interest-bearing deposits | 93,927,000 | 101,799,000 | 95,597,000 | 92,694,000 |
| Noninterest-bearing deposits | 3,600,000 | 4,630,000 | 4,744,000 | 8,001,000 |
| Equity capital | 10,217,000 | 10,304,000 | 11,042,000 | 11,465,000 |
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 | 1,018,000 | 2,217,000 | 3,740,000 | 5,298,000 |
| Interest expense | 337,000 | 736,000 | 1,171,000 | 1,680,000 |
| Net interest income | 681,000 | 1,481,000 | 2,569,000 | 3,618,000 |
| Noninterest income | 18,000 | 122,000 | 98,000 | 120,000 |
| Noninterest expense | 353,000 | 760,000 | 1,123,000 | 1,635,000 |
| Provision for loan losses | 65,000 | 165,000 | 325,000 | 390,000 |
| Pretax income | 281,000 | 678,000 | 1,219,000 | 1,713,000 |
| Income tax | 5,000 | 18,000 | 29,000 | 41,000 |
| Net income | 276,000 | 660,000 | 1,190,000 | 1,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,127,000 | 10,512,000 | 11,042,000 | 11,523,000 |
| Total capital | 10,667,000 | 11,167,000 | 11,857,000 | 12,403,000 |
| Risk-weighted assets | 69,256,000 | 76,859,000 | 85,666,000 | 92,837,000 |