Call reports 2008
TOWN & COUNTRY BANK AND TRUST COMPANY — 2008
What TOWN & COUNTRY BANK AND TRUST COMPANY 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 | 348,297,000 | 359,694,000 | 388,371,000 | 398,767,000 |
| Total loans | 265,277,000 | 285,313,000 | 315,721,000 | 327,429,000 |
| Allowance for loan losses | 3,150,000 | 3,184,000 | 3,346,000 | 4,642,000 |
| Securities available for sale | 55,226,000 | 53,724,000 | 52,599,000 | 49,435,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,627,000 | 282,706,000 | 298,785,000 | 307,860,000 |
| Interest-bearing deposits | 229,581,000 | 226,254,000 | 243,628,000 | 254,094,000 |
| Noninterest-bearing deposits | 54,046,000 | 56,452,000 | 55,157,000 | 53,766,000 |
| Equity capital | 38,836,000 | 38,504,000 | 38,840,000 | 38,774,000 |
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 | 5,509,000 | 10,828,000 | 16,301,000 | 21,813,000 |
| Interest expense | 2,271,000 | 4,431,000 | 6,613,000 | 8,838,000 |
| Net interest income | 3,238,000 | 6,397,000 | 9,688,000 | 12,975,000 |
| Noninterest income | 951,000 | 1,919,000 | 2,985,000 | 3,944,000 |
| Noninterest expense | 2,959,000 | 5,927,000 | 9,219,000 | 12,622,000 |
| Provision for loan losses | 370,000 | 590,000 | 830,000 | 2,230,000 |
| Pretax income | 965,000 | 1,904,000 | 2,729,000 | 2,447,000 |
| Income tax | 280,000 | 520,000 | 735,000 | 533,000 |
| Net income | 685,000 | 1,384,000 | 1,994,000 | 1,914,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,824,000 | 38,574,000 | 39,536,000 | 39,187,000 |
| Total capital | 41,999,000 | 41,783,000 | 42,907,000 | 43,397,000 |
| Risk-weighted assets | 288,575,000 | 308,878,000 | 333,920,000 | 336,372,000 |