Call reports 2004
TOWN & COUNTRY BANK — 2004
What TOWN & 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 | 368,669,000 | 368,632,000 | 373,330,000 | 375,835,000 |
| Total loans | 257,464,000 | 266,078,000 | 274,153,000 | 277,426,000 |
| Allowance for loan losses | 2,744,000 | 2,842,000 | 2,926,000 | 2,984,000 |
| Securities available for sale | 58,035,000 | 64,204,000 | 70,231,000 | 68,713,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,095,000 | 323,800,000 | 323,132,000 | 325,421,000 |
| Interest-bearing deposits | 290,215,000 | 288,774,000 | 290,627,000 | 294,004,000 |
| Noninterest-bearing deposits | 33,880,000 | 35,026,000 | 32,505,000 | 31,417,000 |
| Equity capital | 35,430,000 | 35,908,000 | 37,805,000 | 38,893,000 |
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 | 3,988,000 | 8,729,000 | 13,669,000 | 18,697,000 |
| Interest expense | 1,213,000 | 2,664,000 | 4,122,000 | 5,655,000 |
| Net interest income | 2,775,000 | 6,065,000 | 9,547,000 | 13,042,000 |
| Noninterest income | 552,000 | 1,257,000 | 1,949,000 | 2,615,000 |
| Noninterest expense | 1,890,000 | 3,982,000 | 6,265,000 | 8,490,000 |
| Provision for loan losses | 134,000 | 233,000 | 348,000 | 454,000 |
| Pretax income | 1,303,000 | 3,107,000 | 4,883,000 | 6,713,000 |
| Income tax | 515,000 | 529,000 | 536,000 | 556,000 |
| Net income | 788,000 | 2,578,000 | 4,347,000 | 6,157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,169,000 | 30,508,000 | 31,839,000 | 33,136,000 |
| Total capital | 31,914,000 | 33,316,000 | 34,673,000 | 36,001,000 |
| Risk-weighted assets | 220,096,000 | 224,635,000 | 226,666,000 | 229,069,000 |