Call reports 2025
TOWN & COUNTRY BANK — 2025
What TOWN & COUNTRY BANK 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 | 739,841,000 | 745,793,000 | 739,077,000 | 721,577,000 |
| Total loans | 472,759,000 | 476,488,000 | 493,367,000 | 493,378,000 |
| Allowance for loan losses | 6,194,000 | 6,163,000 | 6,265,000 | 6,574,000 |
| Securities available for sale | 175,286,000 | 178,468,000 | 184,288,000 | 182,741,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 639,198,000 | 644,569,000 | 635,412,000 | 623,207,000 |
| Interest-bearing deposits | 475,214,000 | 470,741,000 | 466,846,000 | 466,172,000 |
| Noninterest-bearing deposits | 163,984,000 | 173,828,000 | 168,566,000 | 157,035,000 |
| Equity capital | 67,777,000 | 69,878,000 | 73,607,000 | 76,649,000 |
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 | 9,100,000 | 18,756,000 | 28,565,000 | 38,310,000 |
| Interest expense | 2,597,000 | 5,170,000 | 7,647,000 | 10,016,000 |
| Net interest income | 6,503,000 | 13,586,000 | 20,918,000 | 28,294,000 |
| Noninterest income | 1,372,000 | 2,921,000 | 4,310,000 | 5,826,000 |
| Noninterest expense | 4,662,000 | 9,427,000 | 14,169,000 | 19,132,000 |
| Provision for loan losses | 73,000 | 80,000 | 237,000 | 563,000 |
| Pretax income | 3,140,000 | 7,000,000 | 10,822,000 | 14,425,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,140,000 | 7,000,000 | 10,822,000 | 14,425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,167,000 | 83,757,000 | 85,483,000 | 87,341,000 |
| Total capital | 88,753,000 | 89,362,000 | 91,283,000 | 93,209,000 |
| Risk-weighted assets | 446,268,000 | 447,801,000 | 463,499,000 | 468,743,000 |