Call reports 2008
TOWN AND COUNTRY BANK — 2008
What TOWN AND COUNTRY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 41,442,000 | 42,401,000 | 43,912,000 | 51,659,000 |
| Total loans | 34,065,000 | 34,641,000 | 37,065,000 | 41,459,000 |
| Allowance for loan losses | 326,000 | 351,000 | 360,000 | 1,302,000 |
| Securities available for sale | 5,045,000 | 5,304,000 | 5,009,000 | 5,711,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,259,000 | 36,312,000 | 37,308,000 | 47,208,000 |
| Interest-bearing deposits | 32,189,000 | 34,557,000 | 35,184,000 | 44,799,000 |
| Noninterest-bearing deposits | 3,070,000 | 1,755,000 | 2,124,000 | 2,409,000 |
| Equity capital | 4,863,000 | 4,783,000 | 4,827,000 | 4,199,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 641,000 | 1,345,000 | 1,988,000 | 2,726,000 |
| Interest expense | 320,000 | 635,000 | 955,000 | 1,321,000 |
| Net interest income | 321,000 | 710,000 | 1,033,000 | 1,405,000 |
| Noninterest income | 43,000 | 41,000 | 58,000 | 78,000 |
| Noninterest expense | 279,000 | 633,000 | 967,000 | 1,494,000 |
| Provision for loan losses | 55,000 | 81,000 | 89,000 | 1,055,000 |
| Pretax income | 30,000 | 37,000 | 35,000 | -1,066,000 |
| Income tax | 8,000 | 16,000 | 6,000 | -429,000 |
| Net income | 22,000 | 21,000 | 29,000 | -637,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,830,000 | 4,818,000 | 4,813,000 | 4,134,000 |
| Total capital | 5,156,000 | 5,169,000 | 5,173,000 | 4,615,000 |
| Risk-weighted assets | 34,358,000 | 36,940,000 | 33,258,000 | 38,063,000 |
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