Call reports 2004
TOWN & COUNTRY BANK AND TRUST COMPANY — 2004
What TOWN & COUNTRY BANK AND TRUST COMPANY 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 | 233,583,000 | 235,422,000 | 239,439,000 | 240,070,000 |
| Total loans | 148,075,000 | 153,188,000 | 164,160,000 | 179,417,000 |
| Allowance for loan losses | 1,557,000 | 1,635,000 | 1,582,000 | 1,600,000 |
| Securities available for sale | 56,343,000 | 56,151,000 | 51,732,000 | 51,873,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,816,000 | 204,532,000 | 207,831,000 | 208,120,000 |
| Interest-bearing deposits | 158,691,000 | 157,695,000 | 156,883,000 | 158,074,000 |
| Noninterest-bearing deposits | 44,125,000 | 46,837,000 | 50,948,000 | 50,046,000 |
| Equity capital | 29,651,000 | 29,070,000 | 29,887,000 | 30,452,000 |
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 | 2,736,000 | 5,509,000 | 8,512,000 | 11,642,000 |
| Interest expense | 595,000 | 1,217,000 | 1,849,000 | 2,491,000 |
| Net interest income | 2,141,000 | 4,292,000 | 6,663,000 | 9,151,000 |
| Noninterest income | 605,000 | 1,215,000 | 1,957,000 | 2,819,000 |
| Noninterest expense | 1,975,000 | 4,041,000 | 6,298,000 | 8,722,000 |
| Provision for loan losses | 75,000 | 100,000 | 150,000 | 195,000 |
| Pretax income | 735,000 | 1,523,000 | 2,338,000 | 3,325,000 |
| Income tax | 255,000 | 510,000 | 735,000 | 1,012,000 |
| Net income | 480,000 | 1,013,000 | 1,603,000 | 2,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,108,000 | 29,367,000 | 29,684,000 | 30,507,000 |
| Total capital | 30,665,000 | 31,002,000 | 31,266,000 | 32,107,000 |
| Risk-weighted assets | 145,631,000 | 153,352,000 | 162,657,000 | 167,811,000 |