Call reports 2025
TOWN & COUNTRY BANK — 2025
What TOWN & COUNTRY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 219,967,000 | 219,069,000 | 226,650,000 | 237,153,000 |
| Total loans | 142,595,000 | 145,094,000 | 147,221,000 | 159,791,000 |
| Allowance for loan losses | 1,758,000 | 1,759,000 | 1,759,000 | 1,959,000 |
| Securities available for sale | 59,469,000 | 61,804,000 | 63,540,000 | 64,202,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,005,000 | 191,857,000 | 197,636,000 | 188,985,000 |
| Interest-bearing deposits | 151,579,000 | 153,786,000 | 161,612,000 | 152,760,000 |
| Noninterest-bearing deposits | 42,426,000 | 38,071,000 | 36,024,000 | 36,225,000 |
| Equity capital | 24,939,000 | 25,651,000 | 27,911,000 | 27,746,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,111,000 | 6,259,000 | 9,548,000 | 12,829,000 |
| Interest expense | 1,022,000 | 1,929,000 | 2,921,000 | 3,880,000 |
| Net interest income | 2,089,000 | 4,330,000 | 6,627,000 | 8,949,000 |
| Noninterest income | 168,000 | 373,000 | 592,000 | 709,000 |
| Noninterest expense | 1,217,000 | 2,504,000 | 3,657,000 | 4,907,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | 1,040,000 | 2,199,000 | 3,562,000 | 4,551,000 |
| Income tax | 122,000 | 365,000 | 614,000 | 886,000 |
| Net income | 918,000 | 1,834,000 | 2,948,000 | 3,665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,844,000 | 30,573,000 | 31,498,000 | 31,269,000 |