Call reports 2008
TOWN AND COUNTRY BANK — 2008
What TOWN AND 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 | 225,505,000 | 239,353,000 | 229,516,000 | 222,129,000 |
| Total loans | 159,635,000 | 154,150,000 | 152,938,000 | 154,746,000 |
| Allowance for loan losses | 1,914,000 | 1,894,000 | 1,809,000 | 2,007,000 |
| Securities available for sale | 43,565,000 | 51,539,000 | 44,921,000 | 47,456,000 |
| Securities held to maturity | 1,048,000 | 1,048,000 | 1,048,000 | 1,003,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,018,000 | 191,687,000 | 178,426,000 | 175,096,000 |
| Interest-bearing deposits | 157,218,000 | 163,909,000 | 154,909,000 | 148,139,000 |
| Noninterest-bearing deposits | 26,800,000 | 27,778,000 | 23,517,000 | 26,957,000 |
| Equity capital | 23,104,000 | 22,939,000 | 20,570,000 | 21,090,000 |
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 | 3,201,000 | 6,287,000 | 9,299,000 | 12,215,000 |
| Interest expense | 1,522,000 | 2,971,000 | 4,322,000 | 5,506,000 |
| Net interest income | 1,679,000 | 3,316,000 | 4,977,000 | 6,709,000 |
| Noninterest income | 567,000 | 1,169,000 | 1,871,000 | 2,232,000 |
| Noninterest expense | 1,723,000 | 3,530,000 | 5,269,000 | 7,259,000 |
| Provision for loan losses | 0 | 6,000 | 6,000 | 231,000 |
| Pretax income | 523,000 | 949,000 | 1,651,000 | 1,519,000 |
| Income tax | 129,000 | 222,000 | 439,000 | 305,000 |
| Net income | 394,000 | 727,000 | 1,212,000 | 1,214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,151,000 | 20,110,000 | 20,594,000 | 20,597,000 |
| Total capital | 24,235,000 | 24,644,000 | 23,743,000 | 23,629,000 |
| Risk-weighted assets | 194,936,000 | 191,606,000 | 187,448,000 | 183,737,000 |