Call reports 2007
TOWN & COUNTRY BANK AND TRUST COMPANY — 2007
What TOWN & COUNTRY BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 289,556,000 | 300,669,000 | 316,742,000 | 327,255,000 |
| Total loans | 216,060,000 | 225,263,000 | 236,890,000 | 246,320,000 |
| Allowance for loan losses | 2,510,000 | 2,743,000 | 2,933,000 | 3,048,000 |
| Securities available for sale | 51,730,000 | 52,069,000 | 54,452,000 | 56,858,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,633,000 | 248,836,000 | 255,541,000 | 265,240,000 |
| Interest-bearing deposits | 187,059,000 | 195,409,000 | 201,081,000 | 213,823,000 |
| Noninterest-bearing deposits | 55,574,000 | 53,427,000 | 54,460,000 | 51,417,000 |
| Equity capital | 35,399,000 | 35,499,000 | 36,747,000 | 37,545,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,935,000 | 10,090,000 | 15,543,000 | 21,037,000 |
| Interest expense | 1,825,000 | 3,648,000 | 5,700,000 | 7,939,000 |
| Net interest income | 3,110,000 | 6,442,000 | 9,843,000 | 13,098,000 |
| Noninterest income | 859,000 | 1,804,000 | 2,753,000 | 3,740,000 |
| Noninterest expense | 2,556,000 | 5,194,000 | 7,915,000 | 11,011,000 |
| Provision for loan losses | 180,000 | 460,000 | 730,000 | 855,000 |
| Pretax income | 1,233,000 | 2,592,000 | 3,951,000 | 4,972,000 |
| Income tax | 400,000 | 765,000 | 1,215,000 | 1,455,000 |
| Net income | 833,000 | 1,827,000 | 2,736,000 | 3,517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,457,000 | 36,166,000 | 36,898,000 | 37,440,000 |
| Total capital | 37,967,000 | 38,929,000 | 39,851,000 | 40,508,000 |
| Risk-weighted assets | 223,519,000 | 230,458,000 | 251,785,000 | 261,430,000 |