Call reports 2019
TOWN & COUNTRY BANK AND TRUST COMPANY — 2019
What TOWN & COUNTRY BANK AND TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 319,557,000 | 318,682,000 | 315,262,000 | 311,167,000 |
| Total loans | 205,162,000 | 213,463,000 | 218,740,000 | 227,530,000 |
| Allowance for loan losses | 2,093,000 | 2,154,000 | 2,193,000 | 2,300,000 |
| Securities available for sale | 61,626,000 | 59,464,000 | 58,728,000 | 56,799,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,663,000 | 277,457,000 | 273,131,000 | 268,161,000 |
| Interest-bearing deposits | 182,278,000 | 177,116,000 | 172,483,000 | 173,099,000 |
| Noninterest-bearing deposits | 97,385,000 | 100,342,000 | 100,648,000 | 95,062,000 |
| Equity capital | 38,881,000 | 39,860,000 | 40,554,000 | 40,359,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,087,000 | 6,307,000 | 9,610,000 | 12,940,000 |
| Interest expense | 94,000 | 208,000 | 339,000 | 478,000 |
| Net interest income | 2,993,000 | 6,099,000 | 9,271,000 | 12,462,000 |
| Noninterest income | 850,000 | 1,849,000 | 2,819,000 | 3,744,000 |
| Noninterest expense | 2,682,000 | 5,341,000 | 7,984,000 | 11,607,000 |
| Provision for loan losses | 0 | 65,000 | 100,000 | 206,000 |
| Pretax income | 1,161,000 | 2,542,000 | 4,006,000 | 4,394,000 |
| Income tax | 207,000 | 477,000 | 773,000 | 754,000 |
| Net income | 954,000 | 2,065,000 | 3,233,000 | 3,640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,123,000 | 38,982,000 | 39,946,000 | 39,961,000 |
| Total capital | 40,379,000 | 41,299,000 | 42,302,000 | 42,424,000 |
| Risk-weighted assets | 228,955,000 | 226,217,000 | 238,944,000 | 249,422,000 |