Call reports 2004
TOWN AND COUNTRY BANK — 2004
What TOWN AND COUNTRY BANK 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 | 27,108,000 | 26,933,000 | 27,494,000 | 28,331,000 |
| Total loans | 18,160,000 | 18,455,000 | 18,830,000 | 18,846,000 |
| Allowance for loan losses | 198,000 | 188,000 | 189,000 | 189,000 |
| Securities available for sale | 5,336,000 | 6,337,000 | 6,803,000 | 6,770,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,741,000 | 24,691,000 | 25,091,000 | 25,913,000 |
| Interest-bearing deposits | 21,895,000 | 22,267,000 | 22,322,000 | 23,268,000 |
| Noninterest-bearing deposits | 2,846,000 | 2,424,000 | 2,769,000 | 2,645,000 |
| Equity capital | 2,191,000 | 2,077,000 | 2,193,000 | 2,185,000 |
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 | 350,000 | 705,000 | 1,067,000 | 1,440,000 |
| Interest expense | 115,000 | 227,000 | 338,000 | 456,000 |
| Net interest income | 235,000 | 478,000 | 729,000 | 984,000 |
| Noninterest income | 35,000 | 68,000 | 94,000 | 131,000 |
| Noninterest expense | 239,000 | 476,000 | 715,000 | 971,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 25,000 | 58,000 | 90,000 | 120,000 |
| Income tax | 7,000 | 14,000 | 24,000 | 28,000 |
| Net income | 18,000 | 44,000 | 66,000 | 92,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,155,000 | 2,166,000 | 2,189,000 | 2,200,000 |
| Total capital | 2,353,000 | 2,354,000 | 2,378,000 | 2,389,000 |
| Risk-weighted assets | 18,420,000 | 18,780,000 | 19,372,000 | 19,692,000 |
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