Call reports 2015
TOWN & COUNTRY BANK AND TRUST COMPANY — 2015
What TOWN & COUNTRY BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 261,739,000 | 265,114,000 | 263,777,000 | 274,188,000 |
| Total loans | 152,057,000 | 153,195,000 | 150,239,000 | 151,705,000 |
| Allowance for loan losses | 4,887,000 | 4,893,000 | 4,473,000 | 3,903,000 |
| Securities available for sale | 59,912,000 | 62,628,000 | 59,386,000 | 63,492,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,282,000 | 232,819,000 | 229,958,000 | 239,892,000 |
| Interest-bearing deposits | 156,242,000 | 159,530,000 | 155,505,000 | 161,154,000 |
| Noninterest-bearing deposits | 75,040,000 | 73,289,000 | 74,453,000 | 78,738,000 |
| Equity capital | 29,080,000 | 30,926,000 | 32,257,000 | 33,039,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,068,000 | 4,192,000 | 6,361,000 | 8,513,000 |
| Interest expense | 72,000 | 143,000 | 211,000 | 280,000 |
| Net interest income | 1,996,000 | 4,049,000 | 6,150,000 | 8,233,000 |
| Noninterest income | 1,018,000 | 1,909,000 | 3,212,000 | 3,927,000 |
| Noninterest expense | 2,578,000 | 5,065,000 | 7,624,000 | 10,115,000 |
| Provision for loan losses | -160,000 | -160,000 | -584,000 | -1,592,000 |
| Pretax income | 608,000 | 1,065,000 | 2,334,000 | 3,649,000 |
| Income tax | -125,000 | -2,125,000 | -2,110,000 | -2,090,000 |
| Net income | 733,000 | 3,190,000 | 4,444,000 | 5,739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,525,000 | 30,749,000 | 31,808,000 | 32,908,000 |
| Total capital | 30,646,000 | 32,888,000 | 33,879,000 | 34,996,000 |
| Risk-weighted assets | 166,536,000 | 167,898,000 | 162,923,000 | 164,982,000 |