Call reports 2005
TOWN AND COUNTRY BANK — 2005
What TOWN AND 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 | 115,371,000 | 110,536,000 | 114,610,000 | 117,723,000 |
| Total loans | 56,380,000 | 56,372,000 | 58,055,000 | 56,501,000 |
| Allowance for loan losses | 697,000 | 714,000 | 657,000 | 704,000 |
| Securities available for sale | 39,348,000 | 37,000,000 | 37,904,000 | 38,957,000 |
| Securities held to maturity | 676,000 | 675,000 | 475,000 | 475,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,609,000 | 101,265,000 | 104,980,000 | 108,088,000 |
| Interest-bearing deposits | 65,181,000 | 63,918,000 | 63,791,000 | 63,588,000 |
| Noninterest-bearing deposits | 41,428,000 | 37,347,000 | 41,189,000 | 44,500,000 |
| Equity capital | 8,490,000 | 8,895,000 | 9,124,000 | 9,263,000 |
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 | 1,251,000 | 2,577,000 | 3,992,000 | 5,504,000 |
| Interest expense | 190,000 | 394,000 | 611,000 | 847,000 |
| Net interest income | 1,061,000 | 2,183,000 | 3,381,000 | 4,657,000 |
| Noninterest income | 379,000 | 781,000 | 1,196,000 | 1,609,000 |
| Noninterest expense | 1,029,000 | 2,069,000 | 3,113,000 | 4,319,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 379,000 | 821,000 | 1,360,000 | 1,778,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 379,000 | 821,000 | 1,360,000 | 1,778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,724,000 | 8,899,000 | 9,275,000 | 9,704,000 |
| Total capital | 9,421,000 | 9,602,000 | 9,932,000 | 10,408,000 |
| Risk-weighted assets | 56,181,000 | 56,250,000 | 57,683,000 | 61,493,000 |