Call reports 2009
TOWN & COUNTRY BANK AND TRUST COMPANY — 2009
What TOWN & COUNTRY BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 451,699,000 | 451,507,000 | 451,370,000 | 471,119,000 |
| Total loans | 344,636,000 | 352,792,000 | 354,202,000 | 357,328,000 |
| Allowance for loan losses | 5,992,000 | 6,330,000 | 6,530,000 | 7,823,000 |
| Securities available for sale | 50,621,000 | 50,267,000 | 59,845,000 | 58,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,438,000 | 365,800,000 | 366,210,000 | 388,429,000 |
| Interest-bearing deposits | 305,683,000 | 306,395,000 | 308,799,000 | 326,315,000 |
| Noninterest-bearing deposits | 60,755,000 | 59,405,000 | 57,411,000 | 62,114,000 |
| Equity capital | 38,054,000 | 37,482,000 | 38,613,000 | 37,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,269,000 | 10,476,000 | 16,008,000 | 21,501,000 |
| Interest expense | 2,281,000 | 4,624,000 | 6,709,000 | 8,670,000 |
| Net interest income | 2,988,000 | 5,852,000 | 9,299,000 | 12,831,000 |
| Noninterest income | 941,000 | 2,003,000 | 3,167,000 | 4,246,000 |
| Noninterest expense | 3,579,000 | 7,161,000 | 10,880,000 | 15,731,000 |
| Provision for loan losses | 1,475,000 | 1,985,000 | 2,410,000 | 4,045,000 |
| Pretax income | -1,125,000 | -915,000 | -301,000 | -2,013,000 |
| Income tax | -455,000 | -475,000 | -335,000 | -1,018,000 |
| Net income | -670,000 | -440,000 | 34,000 | -995,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,569,000 | 36,667,000 | 37,010,000 | 35,866,000 |
| Total capital | 41,076,000 | 41,231,000 | 41,511,000 | 40,461,000 |
| Risk-weighted assets | 359,083,000 | 363,656,000 | 357,988,000 | 364,321,000 |