Call reports 2004
TOWN-COUNTRY UNITED BANK — 2004
What TOWN-COUNTRY UNITED 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 | 76,069,000 | 76,094,000 | 75,095,000 | 78,412,000 |
| Total loans | 50,204,000 | 50,245,000 | 49,016,000 | 48,573,000 |
| Allowance for loan losses | 895,000 | 890,000 | 885,000 | 919,000 |
| Securities available for sale | 7,334,000 | 6,733,000 | 6,945,000 | 6,992,000 |
| Securities held to maturity | 8,313,000 | 8,104,000 | 9,206,000 | 9,781,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,418,000 | 66,460,000 | 65,055,000 | 67,636,000 |
| Interest-bearing deposits | 57,411,000 | 57,380,000 | 55,639,000 | 57,749,000 |
| Noninterest-bearing deposits | 9,007,000 | 9,080,000 | 9,416,000 | 9,887,000 |
| Equity capital | 7,721,000 | 7,754,000 | 8,104,000 | 8,326,000 |
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 | 1,164,000 | 2,305,000 | 3,452,000 | 4,632,000 |
| Interest expense | 344,000 | 663,000 | 977,000 | 1,301,000 |
| Net interest income | 820,000 | 1,642,000 | 2,475,000 | 3,331,000 |
| Noninterest income | 120,000 | 230,000 | 348,000 | 444,000 |
| Noninterest expense | 532,000 | 1,062,000 | 1,618,000 | 2,205,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 380,000 |
| Pretax income | 318,000 | 630,000 | 935,000 | 1,194,000 |
| Income tax | 101,000 | 183,000 | 275,000 | 308,000 |
| Net income | 217,000 | 447,000 | 660,000 | 886,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,703,000 | 7,932,000 | 8,145,000 | 8,371,000 |
| Total capital | 8,397,000 | 8,633,000 | 8,824,000 | 9,052,000 |
| Risk-weighted assets | 55,355,000 | 55,867,000 | 54,074,000 | 54,273,000 |