Call reports 2005
TOWN & COUNTRY BANK AND TRUST COMPANY — 2005
What TOWN & COUNTRY BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 249,007,000 | 249,237,000 | 252,568,000 | 265,705,000 |
| Total loans | 181,228,000 | 182,784,000 | 186,393,000 | 191,683,000 |
| Allowance for loan losses | 1,651,000 | 1,793,000 | 1,887,000 | 1,960,000 |
| Securities available for sale | 52,139,000 | 50,136,000 | 50,363,000 | 57,740,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,236,000 | 205,673,000 | 212,475,000 | 225,586,000 |
| Interest-bearing deposits | 160,387,000 | 155,007,000 | 162,051,000 | 174,993,000 |
| Noninterest-bearing deposits | 49,849,000 | 50,666,000 | 50,424,000 | 50,593,000 |
| Equity capital | 30,466,000 | 31,436,000 | 31,652,000 | 31,939,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,310,000 | 6,764,000 | 10,338,000 | 14,253,000 |
| Interest expense | 706,000 | 1,461,000 | 2,282,000 | 3,357,000 |
| Net interest income | 2,604,000 | 5,303,000 | 8,056,000 | 10,896,000 |
| Noninterest income | 752,000 | 1,580,000 | 2,445,000 | 3,343,000 |
| Noninterest expense | 2,179,000 | 4,328,000 | 6,623,000 | 9,287,000 |
| Provision for loan losses | 95,000 | 230,000 | 365,000 | 500,000 |
| Pretax income | 1,082,000 | 2,310,000 | 3,498,000 | 4,437,000 |
| Income tax | 365,000 | 730,000 | 1,180,000 | 1,376,000 |
| Net income | 717,000 | 1,580,000 | 2,318,000 | 3,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,925,000 | 31,510,000 | 31,968,000 | 32,436,000 |
| Total capital | 32,576,000 | 33,303,000 | 33,855,000 | 34,396,000 |
| Risk-weighted assets | 180,153,000 | 185,250,000 | 184,027,000 | 190,558,000 |