Call reports 2003
TOWN AND COUNTRY BANK — 2003
What TOWN AND COUNTRY BANK 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 | 24,494,000 | 25,299,000 | 26,185,000 | 27,421,000 |
| Total loans | 18,054,000 | 17,937,000 | 17,679,000 | 17,791,000 |
| Allowance for loan losses | 167,000 | 175,000 | 183,000 | 190,000 |
| Securities available for sale | 3,052,000 | 3,146,000 | 4,145,000 | 6,090,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,314,000 | 23,047,000 | 23,871,000 | 25,104,000 |
| Interest-bearing deposits | 20,491,000 | 20,971,000 | 21,442,000 | 22,339,000 |
| Noninterest-bearing deposits | 1,823,000 | 2,076,000 | 2,429,000 | 2,765,000 |
| Equity capital | 2,068,000 | 2,099,000 | 2,142,000 | 2,141,000 |
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 | 393,000 | 715,000 | 1,068,000 | 1,416,000 |
| Interest expense | 138,000 | 265,000 | 390,000 | 510,000 |
| Net interest income | 255,000 | 450,000 | 678,000 | 906,000 |
| Noninterest income | 22,000 | 124,000 | 188,000 | 246,000 |
| Noninterest expense | 223,000 | 453,000 | 680,000 | 908,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 48,000 | 109,000 | 168,000 | 220,000 |
| Income tax | 13,000 | 31,000 | 47,000 | 61,000 |
| Net income | 35,000 | 78,000 | 121,000 | 159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,044,000 | 2,072,000 | 2,115,000 | 2,138,000 |
| Total capital | 2,211,000 | 2,247,000 | 2,298,000 | 2,328,000 |
| Risk-weighted assets | 17,723,000 | 17,242,000 | 17,978,000 | 18,383,000 |