Call reports 2019
TOWN & COUNTRY BANK — 2019
What TOWN & COUNTRY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 159,912,000 | 163,635,000 | 170,175,000 | 164,673,000 |
| Total loans | 106,035,000 | 109,177,000 | 116,072,000 | 108,661,000 |
| Allowance for loan losses | 1,363,000 | 1,363,000 | 1,364,000 | 1,414,000 |
| Securities available for sale | 43,408,000 | 43,935,000 | 42,666,000 | 43,893,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,980,000 | 134,037,000 | 134,167,000 | 134,087,000 |
| Interest-bearing deposits | 105,410,000 | 108,794,000 | 109,851,000 | 104,508,000 |
| Noninterest-bearing deposits | 24,570,000 | 25,243,000 | 24,316,000 | 29,579,000 |
| Equity capital | 20,102,000 | 21,091,000 | 21,835,000 | 21,962,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,885,000 | 3,822,000 | 5,842,000 | 7,791,000 |
| Interest expense | 367,000 | 739,000 | 1,118,000 | 1,503,000 |
| Net interest income | 1,518,000 | 3,083,000 | 4,724,000 | 6,288,000 |
| Noninterest income | 97,000 | 202,000 | 330,000 | 479,000 |
| Noninterest expense | 922,000 | 1,869,000 | 2,678,000 | 3,525,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 693,000 | 1,416,000 | 2,371,000 | 3,187,000 |
| Income tax | 80,000 | 220,000 | 387,000 | 610,000 |
| Net income | 613,000 | 1,196,000 | 1,984,000 | 2,577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,438,000 | 20,833,000 | 21,432,000 | 21,583,000 |
| Total capital | 21,801,000 | 22,196,000 | 22,796,000 | 22,997,000 |
| Risk-weighted assets | 134,702,000 | 137,385,000 | 142,430,000 | 137,595,000 |