Call reports 2004
TOWN AND COUNTRY BANK — 2004
What TOWN AND 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 | 233,042,000 | 226,344,000 | 236,619,000 | 241,685,000 |
| Total loans | 141,846,000 | 139,163,000 | 141,477,000 | 148,850,000 |
| Allowance for loan losses | 1,659,000 | 1,685,000 | 1,687,000 | 1,697,000 |
| Securities available for sale | 61,901,000 | 68,543,000 | 73,094,000 | 71,069,000 |
| Securities held to maturity | 2,389,000 | 2,389,000 | 2,367,000 | 2,252,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,544,000 | 176,141,000 | 182,203,000 | 171,522,000 |
| Interest-bearing deposits | 153,951,000 | 153,368,000 | 157,385,000 | 149,131,000 |
| Noninterest-bearing deposits | 23,593,000 | 22,773,000 | 24,818,000 | 22,391,000 |
| Equity capital | 27,125,000 | 26,403,000 | 28,388,000 | 30,690,000 |
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 | 2,555,000 | 5,241,000 | 7,896,000 | 10,648,000 |
| Interest expense | 956,000 | 1,897,000 | 2,880,000 | 3,885,000 |
| Net interest income | 1,599,000 | 3,344,000 | 5,016,000 | 6,763,000 |
| Noninterest income | 587,000 | 1,244,000 | 1,807,000 | 2,409,000 |
| Noninterest expense | 1,526,000 | 3,106,000 | 4,614,000 | 6,080,000 |
| Provision for loan losses | 47,000 | 221,000 | 356,000 | 416,000 |
| Pretax income | 613,000 | 1,261,000 | 1,853,000 | 2,685,000 |
| Income tax | 145,000 | 301,000 | 435,000 | 651,000 |
| Net income | 468,000 | 960,000 | 1,418,000 | 2,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,373,000 | 16,865,000 | 17,430,000 | 17,940,000 |
| Total capital | 25,276,000 | 25,545,000 | 26,719,000 | 28,710,000 |
| Risk-weighted assets | 164,509,000 | 163,485,000 | 167,718,000 | 175,719,000 |