Call reports 2005
TOWN AND COUNTRY BANK — 2005
What TOWN AND 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 | 244,081,000 | 240,660,000 | 244,939,000 | 251,631,000 |
| Total loans | 150,526,000 | 152,291,000 | 152,996,000 | 161,996,000 |
| Allowance for loan losses | 1,725,000 | 1,735,000 | 1,747,000 | 1,858,000 |
| Securities available for sale | 70,664,000 | 69,516,000 | 70,083,000 | 68,662,000 |
| Securities held to maturity | 2,233,000 | 2,233,000 | 2,233,000 | 2,088,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,087,000 | 175,485,000 | 183,664,000 | 186,809,000 |
| Interest-bearing deposits | 160,281,000 | 153,417,000 | 161,923,000 | 163,917,000 |
| Noninterest-bearing deposits | 22,806,000 | 22,068,000 | 21,741,000 | 22,892,000 |
| Equity capital | 30,002,000 | 30,990,000 | 32,073,000 | 32,714,000 |
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 | 2,837,000 | 5,741,000 | 8,765,000 | 11,935,000 |
| Interest expense | 1,111,000 | 2,256,000 | 3,507,000 | 4,867,000 |
| Net interest income | 1,726,000 | 3,485,000 | 5,258,000 | 7,068,000 |
| Noninterest income | 511,000 | 1,036,000 | 1,573,000 | 2,100,000 |
| Noninterest expense | 1,516,000 | 2,965,000 | 4,433,000 | 5,840,000 |
| Provision for loan losses | 10,000 | 56,000 | 124,000 | 324,000 |
| Pretax income | 726,000 | 1,515,000 | 2,289,000 | 3,019,000 |
| Income tax | 172,000 | 384,000 | 591,000 | 774,000 |
| Net income | 554,000 | 1,131,000 | 1,698,000 | 2,245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,494,000 | 19,070,000 | 19,638,000 | 20,185,000 |
| Total capital | 28,610,000 | 29,370,000 | 30,310,000 | 31,232,000 |
| Risk-weighted assets | 176,877,000 | 177,536,000 | 179,870,000 | 186,249,000 |