Call reports 2004
TOWN AND COUNTRY BANK — 2004
What TOWN AND 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 | 104,644,000 | 102,956,000 | 108,860,000 | 110,603,000 |
| Total loans | 45,762,000 | 46,704,000 | 50,223,000 | 52,003,000 |
| Allowance for loan losses | 581,000 | 588,000 | 608,000 | 621,000 |
| Securities available for sale | 39,184,000 | 37,489,000 | 40,387,000 | 40,198,000 |
| Securities held to maturity | 680,000 | 679,000 | 678,000 | 677,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,634,000 | 94,663,000 | 99,765,000 | 101,498,000 |
| Interest-bearing deposits | 60,732,000 | 61,284,000 | 60,474,000 | 63,064,000 |
| Noninterest-bearing deposits | 34,902,000 | 33,379,000 | 39,291,000 | 38,434,000 |
| Equity capital | 8,790,000 | 8,010,000 | 8,710,000 | 8,830,000 |
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 | 1,037,000 | 2,071,000 | 3,175,000 | 4,371,000 |
| Interest expense | 138,000 | 270,000 | 396,000 | 561,000 |
| Net interest income | 899,000 | 1,801,000 | 2,779,000 | 3,810,000 |
| Noninterest income | 305,000 | 630,000 | 961,000 | 1,293,000 |
| Noninterest expense | 853,000 | 1,725,000 | 2,676,000 | 3,705,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 336,000 | 676,000 | 930,000 | 1,246,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 336,000 | 676,000 | 930,000 | 1,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,909,000 | 8,008,000 | 8,179,000 | 8,507,000 |
| Total capital | 8,490,000 | 8,596,000 | 8,787,000 | 9,128,000 |
| Risk-weighted assets | 48,219,000 | 48,280,000 | 51,726,000 | 53,678,000 |