Call reports 2002
TOWN & COUNTRY BANK AND TRUST COMPANY — 2002
What TOWN & COUNTRY BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 208,869,000 | 209,468,000 | 216,877,000 | 211,772,000 |
| Total loans | 136,706,000 | 139,412,000 | 140,932,000 | 140,032,000 |
| Allowance for loan losses | 1,382,000 | 1,365,000 | 1,397,000 | 1,400,000 |
| Securities available for sale | 6,968,000 | 5,977,000 | 5,986,000 | 3,990,000 |
| Securities held to maturity | 39,126,000 | 40,084,000 | 44,167,000 | 44,660,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,163,000 | 180,857,000 | 187,033,000 | 182,257,000 |
| Interest-bearing deposits | 142,917,000 | 143,120,000 | 144,722,000 | 140,976,000 |
| Noninterest-bearing deposits | 37,246,000 | 37,737,000 | 42,311,000 | 41,281,000 |
| Equity capital | 26,757,000 | 26,996,000 | 27,352,000 | 27,655,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,966,000 | 5,895,000 | 8,878,000 | 11,874,000 |
| Interest expense | 1,022,000 | 2,008,000 | 2,912,000 | 3,686,000 |
| Net interest income | 1,944,000 | 3,887,000 | 5,966,000 | 8,188,000 |
| Noninterest income | 383,000 | 787,000 | 1,220,000 | 1,713,000 |
| Noninterest expense | 1,572,000 | 3,157,000 | 4,762,000 | 6,609,000 |
| Provision for loan losses | 75,000 | 100,000 | 165,000 | 197,000 |
| Pretax income | 680,000 | 1,417,000 | 2,259,000 | 3,095,000 |
| Income tax | 209,000 | 450,000 | 675,000 | 944,000 |
| Net income | 471,000 | 967,000 | 1,584,000 | 2,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,758,000 | 26,995,000 | 27,352,000 | 27,654,000 |
| Total capital | 28,140,000 | 28,360,000 | 28,749,000 | 29,054,000 |
| Risk-weighted assets | 132,913,000 | 134,898,000 | 137,439,000 | 135,695,000 |