Call reports 2003
TOWN & COUNTRY BANK — 2003
What TOWN & 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 | 252,371,000 | 262,659,000 | 263,893,000 | 280,900,000 |
| Total loans | 189,371,000 | 196,420,000 | 203,906,000 | 211,307,000 |
| Allowance for loan losses | 1,991,000 | 2,114,000 | 2,197,000 | 2,241,000 |
| Securities available for sale | 34,136,000 | 37,954,000 | 36,812,000 | 41,458,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,993,000 | 232,013,000 | 232,402,000 | 237,507,000 |
| Interest-bearing deposits | 202,127,000 | 207,075,000 | 208,965,000 | 213,474,000 |
| Noninterest-bearing deposits | 22,866,000 | 24,938,000 | 23,437,000 | 24,033,000 |
| Equity capital | 21,020,000 | 22,015,000 | 22,729,000 | 34,677,000 |
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 | 3,726,000 | 7,514,000 | 11,291,000 | 15,159,000 |
| Interest expense | 1,426,000 | 2,776,000 | 4,032,000 | 5,234,000 |
| Net interest income | 2,300,000 | 4,738,000 | 7,259,000 | 9,925,000 |
| Noninterest income | 475,000 | 981,000 | 1,518,000 | 2,073,000 |
| Noninterest expense | 1,429,000 | 2,982,000 | 4,671,000 | 6,366,000 |
| Provision for loan losses | 112,000 | 221,000 | 365,000 | 475,000 |
| Pretax income | 1,234,000 | 2,516,000 | 3,741,000 | 5,157,000 |
| Income tax | 415,000 | 861,000 | 1,260,000 | 1,713,000 |
| Net income | 819,000 | 1,655,000 | 2,481,000 | 3,444,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,227,000 | 21,084,000 | 22,143,000 | 34,107,000 |
| Total capital | 22,132,000 | 23,050,000 | 24,187,000 | 36,242,000 |
| Risk-weighted assets | 152,330,000 | 157,146,000 | 163,404,000 | 170,718,000 |