Call reports 2012
TOWN & COUNTRY BANK AND TRUST COMPANY — 2012
What TOWN & COUNTRY BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 358,800,000 | 328,331,000 | 305,707,000 | 284,095,000 |
| Total loans | 239,712,000 | 224,208,000 | 204,435,000 | 197,524,000 |
| Allowance for loan losses | 12,255,000 | 11,485,000 | 11,315,000 | 10,161,000 |
| Securities available for sale | 27,787,000 | 24,358,000 | 29,427,000 | 30,771,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,850,000 | 291,498,000 | 278,378,000 | 256,652,000 |
| Interest-bearing deposits | 234,571,000 | 225,934,000 | 210,616,000 | 190,932,000 |
| Noninterest-bearing deposits | 67,279,000 | 65,564,000 | 67,762,000 | 65,720,000 |
| Equity capital | 25,021,000 | 24,434,000 | 24,750,000 | 24,650,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,523,000 | 6,719,000 | 9,695,000 | 12,517,000 |
| Interest expense | 662,000 | 1,069,000 | 1,367,000 | 1,606,000 |
| Net interest income | 2,861,000 | 5,650,000 | 8,328,000 | 10,911,000 |
| Noninterest income | 376,000 | 1,473,000 | 2,523,000 | 3,464,000 |
| Noninterest expense | 3,568,000 | 8,215,000 | 11,675,000 | 15,234,000 |
| Provision for loan losses | 400,000 | 400,000 | 400,000 | 400,000 |
| Pretax income | -731,000 | -1,492,000 | -1,224,000 | -1,259,000 |
| Income tax | -39,000 | -98,000 | -114,000 | -92,000 |
| Net income | -692,000 | -1,394,000 | -1,110,000 | -1,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,308,000 | 23,560,000 | 23,842,000 | 23,816,000 |
| Total capital | 27,342,000 | 26,371,000 | 26,420,000 | 26,340,000 |
| Risk-weighted assets | 233,015,000 | 216,510,000 | 197,106,000 | 193,880,000 |