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 | 142,334,000 | 141,409,000 | 135,848,000 | 143,720,000 |
| Total loans | 88,809,000 | 100,003,000 | 100,856,000 | 117,193,000 |
| Allowance for loan losses | 925,000 | 1,100,000 | 1,225,000 | 1,300,000 |
| Securities available for sale | 22,243,000 | 19,148,000 | 15,547,000 | 17,252,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,696,000 | 127,985,000 | 121,651,000 | 124,382,000 |
| Interest-bearing deposits | 120,266,000 | 106,206,000 | 110,531,000 | 116,042,000 |
| Noninterest-bearing deposits | 9,430,000 | 21,779,000 | 11,120,000 | 8,340,000 |
| Equity capital | 11,965,000 | 12,572,000 | 13,256,000 | 13,922,000 |
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 | 1,786,000 | 4,073,000 | 6,360,000 | 8,865,000 |
| Interest expense | 606,000 | 1,345,000 | 2,065,000 | 3,062,000 |
| Net interest income | 1,180,000 | 2,728,000 | 4,295,000 | 5,803,000 |
| Noninterest income | 44,000 | 59,000 | 109,000 | 132,000 |
| Noninterest expense | 618,000 | 1,386,000 | 2,087,000 | 2,847,000 |
| Provision for loan losses | 60,000 | 235,000 | 360,000 | 435,000 |
| Pretax income | 546,000 | 1,166,000 | 1,957,000 | 2,653,000 |
| Income tax | 8,000 | 18,000 | 29,000 | 39,000 |
| Net income | 538,000 | 1,148,000 | 1,928,000 | 2,614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,062,000 | 12,672,000 | 13,452,000 | 14,138,000 |
| Total capital | 13,012,000 | 13,797,000 | 14,702,000 | 15,463,000 |
| Risk-weighted assets | 104,463,000 | 109,493,000 | 108,141,000 | 124,493,000 |
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