Call reports 2003
TOWN & COUNTRY BANK AND TRUST COMPANY — 2003
What TOWN & COUNTRY BANK AND TRUST COMPANY 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 | 217,025,000 | 217,229,000 | 221,133,000 | 228,397,000 |
| Total loans | 139,787,000 | 142,247,000 | 143,672,000 | 145,213,000 |
| Allowance for loan losses | 1,411,000 | 1,460,000 | 1,526,000 | 1,500,000 |
| Securities available for sale | 3,993,000 | 2,996,000 | 2,995,000 | 7,977,000 |
| Securities held to maturity | 46,486,000 | 49,088,000 | 51,577,000 | 53,267,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,950,000 | 186,667,000 | 190,973,000 | 198,729,000 |
| Interest-bearing deposits | 145,723,000 | 144,679,000 | 148,566,000 | 153,380,000 |
| Noninterest-bearing deposits | 42,227,000 | 41,988,000 | 42,408,000 | 45,349,000 |
| Equity capital | 28,040,000 | 28,546,000 | 28,793,000 | 28,895,000 |
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 | 2,922,000 | 5,583,000 | 8,354,000 | 11,126,000 |
| Interest expense | 668,000 | 1,302,000 | 1,906,000 | 2,499,000 |
| Net interest income | 2,254,000 | 4,281,000 | 6,448,000 | 8,627,000 |
| Noninterest income | 396,000 | 1,124,000 | 1,712,000 | 2,277,000 |
| Noninterest expense | 1,681,000 | 3,345,000 | 5,141,000 | 7,338,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 260,000 |
| Pretax income | 894,000 | 1,910,000 | 2,794,000 | 3,306,000 |
| Income tax | 243,000 | 486,000 | 855,000 | 996,000 |
| Net income | 651,000 | 1,424,000 | 1,939,000 | 2,310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,040,000 | 28,547,000 | 28,793,000 | 28,895,000 |
| Total capital | 29,451,000 | 30,007,000 | 30,319,000 | 30,395,000 |
| Risk-weighted assets | 137,074,000 | 138,679,000 | 140,479,000 | 141,369,000 |