Call reports 2005
TOWN & COUNTRY BANK — 2005
What TOWN & 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 | 390,217,000 | 391,373,000 | 394,251,000 | 402,864,000 |
| Total loans | 279,667,000 | 292,171,000 | 304,414,000 | 306,832,000 |
| Allowance for loan losses | 3,062,000 | 3,128,000 | 3,156,000 | 3,220,000 |
| Securities available for sale | 71,785,000 | 70,660,000 | 61,439,000 | 57,490,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 338,448,000 | 340,653,000 | 343,827,000 | 352,618,000 |
| Interest-bearing deposits | 306,396,000 | 304,056,000 | 308,507,000 | 315,484,000 |
| Noninterest-bearing deposits | 32,052,000 | 36,597,000 | 35,320,000 | 37,134,000 |
| Equity capital | 39,561,000 | 38,668,000 | 39,040,000 | 39,541,000 |
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 | 5,029,000 | 10,299,000 | 15,781,000 | 21,576,000 |
| Interest expense | 1,654,000 | 3,480,000 | 5,438,000 | 7,654,000 |
| Net interest income | 3,375,000 | 6,819,000 | 10,343,000 | 13,922,000 |
| Noninterest income | 629,000 | 1,234,000 | 1,846,000 | 2,517,000 |
| Noninterest expense | 2,337,000 | 4,576,000 | 6,909,000 | 9,123,000 |
| Provision for loan losses | 107,000 | 188,000 | 269,000 | 355,000 |
| Pretax income | 1,560,000 | 3,289,000 | 4,989,000 | 6,939,000 |
| Income tax | -118,000 | -312,000 | -307,000 | -298,000 |
| Net income | 1,678,000 | 3,601,000 | 5,296,000 | 7,237,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,276,000 | 33,162,000 | 33,645,000 | 34,822,000 |
| Total capital | 37,145,000 | 36,125,000 | 36,694,000 | 37,945,000 |
| Risk-weighted assets | 229,535,000 | 237,067,000 | 246,525,000 | 249,515,000 |