Call reports 2009
TOWN & COUNTRY BANK — 2009
What TOWN & COUNTRY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 487,701,000 | 489,052,000 | 485,851,000 | 487,650,000 |
| Total loans | 355,940,000 | 358,485,000 | 360,412,000 | 368,045,000 |
| Allowance for loan losses | 4,341,000 | 4,413,000 | 4,502,000 | 4,636,000 |
| Securities available for sale | 85,512,000 | 85,618,000 | 83,536,000 | 84,565,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 413,746,000 | 416,340,000 | 411,487,000 | 415,885,000 |
| Interest-bearing deposits | 373,832,000 | 373,316,000 | 371,637,000 | 372,588,000 |
| Noninterest-bearing deposits | 39,914,000 | 43,024,000 | 39,850,000 | 43,297,000 |
| Equity capital | 49,497,000 | 48,706,000 | 51,173,000 | 51,910,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,675,000 | 13,242,000 | 19,757,000 | 26,210,000 |
| Interest expense | 2,263,000 | 4,379,000 | 6,394,000 | 8,287,000 |
| Net interest income | 4,412,000 | 8,863,000 | 13,363,000 | 17,923,000 |
| Noninterest income | 625,000 | 1,327,000 | 2,021,000 | 2,764,000 |
| Noninterest expense | 2,854,000 | 5,711,000 | 8,529,000 | 11,351,000 |
| Provision for loan losses | 133,000 | 276,000 | 402,000 | 569,000 |
| Pretax income | 2,050,000 | 4,203,000 | 6,453,000 | 8,767,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 2,045,000 | 4,198,000 | 6,448,000 | 8,762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,659,000 | 42,254,000 | 43,600,000 | 44,401,000 |
| Total capital | 46,272,000 | 45,881,000 | 47,229,000 | 48,113,000 |
| Risk-weighted assets | 288,209,000 | 289,063,000 | 289,164,000 | 297,053,000 |