Call reports 2008
TOWN & COUNTRY BANK — 2008
What TOWN & 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 | 458,472,000 | 458,953,000 | 460,306,000 | 466,253,000 |
| Total loans | 352,732,000 | 352,839,000 | 353,250,000 | 359,092,000 |
| Allowance for loan losses | 3,707,000 | 3,796,000 | 3,930,000 | 4,212,000 |
| Securities available for sale | 70,773,000 | 73,299,000 | 78,377,000 | 78,479,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 392,307,000 | 396,477,000 | 393,388,000 | 400,192,000 |
| Interest-bearing deposits | 355,111,000 | 357,205,000 | 357,655,000 | 359,879,000 |
| Noninterest-bearing deposits | 37,196,000 | 39,272,000 | 35,733,000 | 40,313,000 |
| Equity capital | 46,395,000 | 44,380,000 | 45,988,000 | 47,999,000 |
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 | 7,290,000 | 14,431,000 | 21,483,000 | 28,397,000 |
| Interest expense | 3,301,000 | 6,299,000 | 8,935,000 | 11,387,000 |
| Net interest income | 3,989,000 | 8,132,000 | 12,548,000 | 17,010,000 |
| Noninterest income | 661,000 | 1,343,000 | 2,009,000 | 2,707,000 |
| Noninterest expense | 2,637,000 | 5,111,000 | 7,822,000 | 10,593,000 |
| Provision for loan losses | 101,000 | 239,000 | 420,000 | 848,000 |
| Pretax income | 1,912,000 | 4,125,000 | 6,315,000 | 8,276,000 |
| Income tax | 0 | 0 | 14,000 | 18,000 |
| Net income | 1,912,000 | 4,125,000 | 6,301,000 | 8,258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,863,000 | 39,366,000 | 40,656,000 | 41,975,000 |
| Total capital | 43,531,000 | 43,003,000 | 44,224,000 | 45,561,000 |
| Risk-weighted assets | 293,387,000 | 290,833,000 | 284,789,000 | 286,273,000 |