Call reports 2003
TOWN AND COUNTRY BANK — 2003
What TOWN AND 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 | 213,216,000 | 220,785,000 | 218,453,000 | 220,151,000 |
| Total loans | 128,001,000 | 129,210,000 | 136,621,000 | 136,326,000 |
| Allowance for loan losses | 1,667,000 | 1,630,000 | 1,706,000 | 1,732,000 |
| Securities available for sale | 60,526,000 | 62,847,000 | 60,135,000 | 57,786,000 |
| Securities held to maturity | 2,499,000 | 2,499,000 | 2,499,000 | 2,404,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,307,000 | 166,563,000 | 165,919,000 | 168,285,000 |
| Interest-bearing deposits | 138,691,000 | 138,802,000 | 140,974,000 | 145,591,000 |
| Noninterest-bearing deposits | 22,616,000 | 27,761,000 | 24,945,000 | 22,694,000 |
| Equity capital | 25,713,000 | 27,180,000 | 26,841,000 | 25,880,000 |
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 | 2,860,000 | 5,613,000 | 8,338,000 | 10,937,000 |
| Interest expense | 1,146,000 | 2,245,000 | 3,261,000 | 4,238,000 |
| Net interest income | 1,714,000 | 3,368,000 | 5,077,000 | 6,699,000 |
| Noninterest income | 741,000 | 1,663,000 | 2,573,000 | 3,288,000 |
| Noninterest expense | 1,743,000 | 3,492,000 | 5,297,000 | 7,184,000 |
| Provision for loan losses | 45,000 | 120,000 | 240,000 | 420,000 |
| Pretax income | 669,000 | 1,421,000 | 2,115,000 | 2,385,000 |
| Income tax | 175,000 | 375,000 | 556,000 | 560,000 |
| Net income | 494,000 | 1,046,000 | 1,559,000 | 1,825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,373,000 | 16,651,000 | 16,964,000 | 16,205,000 |
| Total capital | 24,442,000 | 25,209,000 | 25,417,000 | 24,531,000 |
| Risk-weighted assets | 150,480,000 | 153,802,000 | 158,600,000 | 159,950,000 |