Call reports 2025
TOWN & COUNTRY BANK AND TRUST COMPANY — 2025
What TOWN & COUNTRY BANK AND TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 419,868,000 | 415,000,000 | 415,985,000 | 421,882,000 |
| Total loans | 276,829,000 | 274,837,000 | 279,411,000 | 277,665,000 |
| Allowance for loan losses | 2,717,000 | 2,798,000 | 2,976,000 | 3,008,000 |
| Securities available for sale | 93,303,000 | 92,624,000 | 88,214,000 | 86,375,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 370,451,000 | 364,743,000 | 362,981,000 | 368,715,000 |
| Interest-bearing deposits | 233,597,000 | 237,289,000 | 235,676,000 | 243,018,000 |
| Noninterest-bearing deposits | 136,854,000 | 127,454,000 | 127,305,000 | 125,697,000 |
| Equity capital | 46,669,000 | 47,724,000 | 49,851,000 | 50,943,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,695,000 | 9,665,000 | 14,948,000 | 20,115,000 |
| Interest expense | 632,000 | 1,294,000 | 2,002,000 | 2,708,000 |
| Net interest income | 4,063,000 | 8,371,000 | 12,946,000 | 17,407,000 |
| Noninterest income | 1,064,000 | 2,206,000 | 3,310,000 | 4,418,000 |
| Noninterest expense | 3,339,000 | 6,773,000 | 10,123,000 | 13,656,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,758,000 | 3,744,000 | 6,043,000 | 8,049,000 |
| Income tax | 144,000 | 661,000 | 1,257,000 | 1,793,000 |
| Net income | 1,614,000 | 3,083,000 | 4,786,000 | 6,256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,997,000 | 51,873,000 | 52,972,000 | 53,499,000 |