Call reports 2020
TOWN & COUNTRY BANK AND TRUST COMPANY — 2020
What TOWN & COUNTRY BANK AND TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 320,439,000 | 351,155,000 | 361,706,000 | 387,090,000 |
| Total loans | 225,507,000 | 238,582,000 | 239,118,000 | 225,463,000 |
| Allowance for loan losses | 2,374,000 | 2,603,000 | 2,605,000 | 2,605,000 |
| Securities available for sale | 53,972,000 | 44,745,000 | 51,020,000 | 58,058,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,031,000 | 306,906,000 | 316,140,000 | 341,638,000 |
| Interest-bearing deposits | 178,547,000 | 188,989,000 | 198,109,000 | 210,523,000 |
| Noninterest-bearing deposits | 99,484,000 | 117,917,000 | 118,031,000 | 131,115,000 |
| Equity capital | 41,236,000 | 41,992,000 | 42,456,000 | 42,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,224,000 | 6,402,000 | 9,575,000 | 12,748,000 |
| Interest expense | 145,000 | 289,000 | 423,000 | 546,000 |
| Net interest income | 3,079,000 | 6,113,000 | 9,152,000 | 12,202,000 |
| Noninterest income | 867,000 | 2,190,000 | 3,184,000 | 4,224,000 |
| Noninterest expense | 2,777,000 | 5,506,000 | 8,181,000 | 11,161,000 |
| Provision for loan losses | 75,000 | 300,000 | 300,000 | 300,000 |
| Pretax income | 1,094,000 | 2,497,000 | 3,855,000 | 4,965,000 |
| Income tax | 265,000 | 478,000 | 719,000 | 869,000 |
| Net income | 829,000 | 2,019,000 | 3,136,000 | 4,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,350,000 | 41,037,000 | 41,608,000 | 41,987,000 |