Call reports 2011
TOWN & COUNTRY BANK AND TRUST COMPANY — 2011
What TOWN & COUNTRY BANK AND TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 434,205,000 | 413,586,000 | 392,457,000 | 368,684,000 |
| Total loans | 324,507,000 | 299,989,000 | 281,164,000 | 256,266,000 |
| Allowance for loan losses | 10,697,000 | 10,288,000 | 11,964,000 | 13,386,000 |
| Securities available for sale | 52,097,000 | 47,400,000 | 32,406,000 | 38,085,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 356,101,000 | 333,240,000 | 320,589,000 | 310,509,000 |
| Interest-bearing deposits | 292,184,000 | 272,617,000 | 256,894,000 | 246,491,000 |
| Noninterest-bearing deposits | 63,917,000 | 60,623,000 | 63,695,000 | 64,018,000 |
| Equity capital | 38,743,000 | 40,997,000 | 39,424,000 | 25,638,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,807,000 | 9,243,000 | 13,424,000 | 17,404,000 |
| Interest expense | 1,308,000 | 2,458,000 | 3,520,000 | 4,106,000 |
| Net interest income | 3,499,000 | 6,785,000 | 9,904,000 | 13,298,000 |
| Noninterest income | 1,178,000 | 2,000,000 | 3,085,000 | 2,535,000 |
| Noninterest expense | 4,011,000 | 8,024,000 | 12,807,000 | 18,604,000 |
| Provision for loan losses | 1,500,000 | 4,040,000 | 8,090,000 | 12,990,000 |
| Pretax income | -828,000 | -3,167,000 | -7,796,000 | -15,667,000 |
| Income tax | -295,000 | -1,104,000 | -2,654,000 | 3,208,000 |
| Net income | -533,000 | -2,063,000 | -5,142,000 | -18,875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,904,000 | 37,436,000 | 32,916,000 | 25,030,000 |
| Total capital | 40,027,000 | 41,264,000 | 36,473,000 | 28,291,000 |
| Risk-weighted assets | 323,331,000 | 299,726,000 | 276,118,000 | 249,538,000 |