Call reports 2005
TOWN AND COUNTRY BANK — 2005
What TOWN AND COUNTRY BANK 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 | 27,766,000 | 28,481,000 | 28,731,000 | 30,876,000 |
| Total loans | 18,856,000 | 18,670,000 | 19,124,000 | 20,620,000 |
| Allowance for loan losses | 196,000 | 202,000 | 204,000 | 210,000 |
| Securities available for sale | 6,652,000 | 6,855,000 | 7,068,000 | 6,984,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,414,000 | 26,041,000 | 26,300,000 | 28,471,000 |
| Interest-bearing deposits | 22,448,000 | 23,482,000 | 23,532,000 | 24,165,000 |
| Noninterest-bearing deposits | 2,966,000 | 2,559,000 | 2,768,000 | 4,306,000 |
| Equity capital | 2,133,000 | 2,185,000 | 2,174,000 | 2,116,000 |
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 | 370,000 | 748,000 | 1,143,000 | 1,562,000 |
| Interest expense | 119,000 | 259,000 | 415,000 | 577,000 |
| Net interest income | 251,000 | 489,000 | 728,000 | 985,000 |
| Noninterest income | 35,000 | 72,000 | 110,000 | 153,000 |
| Noninterest expense | 257,000 | 509,000 | 769,000 | 1,056,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 23,000 | 40,000 | 51,000 | 58,000 |
| Income tax | 5,000 | 7,000 | 7,000 | 7,000 |
| Net income | 18,000 | 33,000 | 44,000 | 51,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,219,000 | 2,218,000 | 2,229,000 | 2,221,000 |
| Total capital | 2,415,000 | 2,420,000 | 2,433,000 | 2,431,000 |
| Risk-weighted assets | 19,684,000 | 19,686,000 | 20,248,000 | 21,786,000 |
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