Call reports 2016
TOWN & COUNTRY BANK AND TRUST COMPANY — 2016
What TOWN & COUNTRY BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 282,810,000 | 284,018,000 | 284,345,000 | 288,624,000 |
| Total loans | 149,675,000 | 159,785,000 | 166,221,000 | 163,658,000 |
| Allowance for loan losses | 3,729,000 | 2,832,000 | 2,898,000 | 2,623,000 |
| Securities available for sale | 62,507,000 | 62,684,000 | 66,909,000 | 69,447,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,605,000 | 243,712,000 | 245,223,000 | 250,554,000 |
| Interest-bearing deposits | 164,430,000 | 164,281,000 | 163,501,000 | 167,178,000 |
| Noninterest-bearing deposits | 79,175,000 | 79,431,000 | 81,722,000 | 83,375,000 |
| Equity capital | 38,022,000 | 38,911,000 | 37,705,000 | 36,770,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,146,000 | 4,337,000 | 6,607,000 | 8,886,000 |
| Interest expense | 66,000 | 128,000 | 189,000 | 248,000 |
| Net interest income | 2,080,000 | 4,209,000 | 6,418,000 | 8,638,000 |
| Noninterest income | 943,000 | 1,715,000 | 2,569,000 | 3,543,000 |
| Noninterest expense | 2,477,000 | 5,130,000 | 7,573,000 | 10,021,000 |
| Provision for loan losses | -150,000 | -1,150,000 | -1,150,000 | -1,444,000 |
| Pretax income | 696,000 | 1,944,000 | 2,589,000 | 3,629,000 |
| Income tax | -4,162,000 | -3,737,000 | -3,485,000 | -3,067,000 |
| Net income | 4,858,000 | 5,681,000 | 6,074,000 | 6,696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,381,000 | 33,981,000 | 33,291,000 | 33,424,000 |
| Total capital | 35,523,000 | 36,272,000 | 35,665,000 | 35,808,000 |
| Risk-weighted assets | 169,553,000 | 182,493,000 | 189,220,000 | 190,265,000 |