Call reports 2013
TOWN & COUNTRY BANK AND TRUST COMPANY — 2013
What TOWN & COUNTRY BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 266,812,000 | 256,075,000 | 250,219,000 | 255,556,000 |
| Total loans | 187,848,000 | 182,450,000 | 170,833,000 | 165,343,000 |
| Allowance for loan losses | 9,993,000 | 9,929,000 | 8,387,000 | 7,226,000 |
| Securities available for sale | 30,682,000 | 35,073,000 | 37,801,000 | 48,581,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,152,000 | 230,192,000 | 224,087,000 | 229,808,000 |
| Interest-bearing deposits | 176,481,000 | 167,348,000 | 160,909,000 | 163,028,000 |
| Noninterest-bearing deposits | 63,671,000 | 62,844,000 | 63,177,000 | 66,780,000 |
| Equity capital | 25,142,000 | 24,282,000 | 24,209,000 | 24,178,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,621,000 | 5,104,000 | 7,449,000 | 9,598,000 |
| Interest expense | 245,000 | 381,000 | 497,000 | 594,000 |
| Net interest income | 2,376,000 | 4,723,000 | 6,952,000 | 9,004,000 |
| Noninterest income | 1,020,000 | 2,105,000 | 2,711,000 | 3,259,000 |
| Noninterest expense | 2,915,000 | 6,105,000 | 8,895,000 | 11,963,000 |
| Provision for loan losses | 0 | 0 | 0 | -750,000 |
| Pretax income | 481,000 | 723,000 | 761,000 | 1,057,000 |
| Income tax | -9,000 | 220,000 | 236,000 | -22,000 |
| Net income | 490,000 | 503,000 | 525,000 | 1,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,309,000 | 24,563,000 | 24,597,000 | 25,162,000 |
| Total capital | 26,734,000 | 26,874,000 | 26,810,000 | 27,314,000 |
| Risk-weighted assets | 186,064,000 | 176,795,000 | 170,456,000 | 166,695,000 |