Call reports 2003
TOWN-COUNTRY UNITED BANK — 2003
What TOWN-COUNTRY UNITED BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 72,498,000 | 74,023,000 | 75,344,000 | 76,569,000 |
| Total loans | 50,474,000 | 51,261,000 | 51,385,000 | 51,012,000 |
| Allowance for loan losses | 745,000 | 764,000 | 780,000 | 843,000 |
| Securities available for sale | 4,701,000 | 4,158,000 | 4,401,000 | 5,415,000 |
| Securities held to maturity | 7,005,000 | 8,136,000 | 8,021,000 | 8,253,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,649,000 | 64,870,000 | 65,970,000 | 66,850,000 |
| Interest-bearing deposits | 56,002,000 | 57,239,000 | 56,899,000 | 58,334,000 |
| Noninterest-bearing deposits | 7,647,000 | 7,631,000 | 9,071,000 | 8,516,000 |
| Equity capital | 7,093,000 | 7,340,000 | 7,494,000 | 7,723,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,209,000 | 2,409,000 | 3,591,000 | 4,774,000 |
| Interest expense | 445,000 | 858,000 | 1,255,000 | 1,639,000 |
| Net interest income | 764,000 | 1,551,000 | 2,336,000 | 3,135,000 |
| Noninterest income | 96,000 | 198,000 | 256,000 | 374,000 |
| Noninterest expense | 474,000 | 974,000 | 1,507,000 | 2,025,000 |
| Provision for loan losses | 100,000 | 190,000 | 280,000 | 390,000 |
| Pretax income | 286,000 | 587,000 | 853,000 | 1,142,000 |
| Income tax | 94,000 | 160,000 | 236,000 | 291,000 |
| Net income | 192,000 | 427,000 | 617,000 | 851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,093,000 | 7,325,000 | 7,514,000 | 7,748,000 |
| Total capital | 7,777,000 | 8,023,000 | 8,221,000 | 8,454,000 |
| Risk-weighted assets | 54,656,000 | 55,251,000 | 56,484,000 | 56,352,000 |