Call reports 2008
TOWN & COUNTRY BANK — 2008
What TOWN & COUNTRY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 213,336,000 | 211,502,000 | 167,807,000 | 178,692,000 |
| Total loans | 176,009,000 | 178,794,000 | 150,362,000 | 154,113,000 |
| Allowance for loan losses | 1,900,000 | 3,148,000 | 4,018,000 | 3,725,000 |
| Securities available for sale | 3,303,000 | 3,348,000 | 3,341,000 | 3,239,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,729,000 | 182,198,000 | 132,484,000 | 143,975,000 |
| Interest-bearing deposits | 172,479,000 | 169,875,000 | 120,770,000 | 127,422,000 |
| Noninterest-bearing deposits | 11,250,000 | 12,323,000 | 11,714,000 | 16,553,000 |
| Equity capital | 18,416,000 | 18,010,000 | 17,920,000 | 18,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,605,000 | 7,239,000 | 10,348,000 | 13,054,000 |
| Interest expense | 1,528,000 | 2,791,000 | 3,906,000 | 4,800,000 |
| Net interest income | 2,077,000 | 4,448,000 | 6,442,000 | 8,254,000 |
| Noninterest income | 38,000 | 75,000 | 111,000 | 384,000 |
| Noninterest expense | 968,000 | 2,078,000 | 3,291,000 | 4,502,000 |
| Provision for loan losses | 204,000 | 1,454,000 | 2,354,000 | 2,719,000 |
| Pretax income | 943,000 | 991,000 | 908,000 | 1,417,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 943,000 | 991,000 | 908,000 | 1,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,446,000 | 17,995,000 | 17,911,000 | 18,421,000 |
| Total capital | 20,380,000 | 20,390,000 | 19,932,000 | 20,502,000 |
| Risk-weighted assets | 191,930,000 | 190,773,000 | 159,597,000 | 164,748,000 |