Call reports 2010
TOWN & COUNTRY BANK AND TRUST COMPANY — 2010
What TOWN & COUNTRY BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 482,281,000 | 470,103,000 | 454,408,000 | 432,581,000 |
| Total loans | 361,002,000 | 355,102,000 | 351,266,000 | 337,689,000 |
| Allowance for loan losses | 7,837,000 | 8,184,000 | 8,023,000 | 9,579,000 |
| Securities available for sale | 66,683,000 | 59,247,000 | 54,209,000 | 55,915,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 398,945,000 | 385,077,000 | 372,997,000 | 357,421,000 |
| Interest-bearing deposits | 333,459,000 | 320,207,000 | 313,477,000 | 297,944,000 |
| Noninterest-bearing deposits | 65,486,000 | 64,870,000 | 59,520,000 | 59,477,000 |
| Equity capital | 38,455,000 | 38,583,000 | 39,191,000 | 35,079,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,468,000 | 10,993,000 | 16,262,000 | 21,214,000 |
| Interest expense | 1,789,000 | 3,567,000 | 5,184,000 | 6,677,000 |
| Net interest income | 3,679,000 | 7,426,000 | 11,078,000 | 14,537,000 |
| Noninterest income | 1,073,000 | 2,201,000 | 3,294,000 | 4,463,000 |
| Noninterest expense | 3,723,000 | 7,461,000 | 11,653,000 | 17,359,000 |
| Provision for loan losses | 140,000 | 1,690,000 | 1,990,000 | 8,800,000 |
| Pretax income | 889,000 | 476,000 | 1,737,000 | -5,756,000 |
| Income tax | 236,000 | 6,000 | 366,000 | -2,425,000 |
| Net income | 653,000 | 470,000 | 1,371,000 | -3,331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,373,000 | 36,203,000 | 37,114,000 | 32,474,000 |
| Total capital | 40,969,000 | 40,730,000 | 41,504,000 | 36,479,000 |
| Risk-weighted assets | 364,382,000 | 358,502,000 | 347,557,000 | 335,465,000 |