FDIC Certificate #: 10871 Status: Active Federal Reserve ID: 601041 Bank Holding Company (Regulatory Top Holder): Tri-County Bancshares, Inc (RSSDID: 3122837, Location: Beecher City, IL) Date Established: January 01, 1910 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 14660 FDIC's unique #: 6955 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 101 South Charles Street, Beecher City, IL 62414 County: Effingham Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Mount Vernon Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Core Based Statistical Area (CBSA): Effingham, IL (#20820) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $61.9 mil Equity capital: $7.8 mil Deposits held in domestic offices: $53.9 mil Return on assets (ROA): 1.77% ($1.1 mil) Quarterly return on assets: 1.43% ($0.9 mil) Return on Equity (ROE): 14.40% ($1.2 mil) Quarterly return on equity: 11.50% ($0.9 mil) Net income: $1.1 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.79% ($1,107.6 mil) Quarterly Pretax return on assets: 1.43% ($884.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
15Total employees (full-time equivalent)
$61,878Total assets
$6,686Cash and due from depository institutions
$14Interest-bearing balances
$9,081Securities
$0Federal funds sold & reverse repurchase agreements
$45,222Net loans & leases
$898Loan loss allowance
$0Trading account assets
$73Bank premises and fixed assets
$85Other real estate owned
$0Goodwill and other intangibles
$61,878Life insurance assets
$731All other assets
$54,086Total liabilities and capital
$53,928Total liabilities
$47,497Total deposits
$53,928Interest-bearing deposits
$86Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$158Subordinated debt
$7,792All other liabilities
$7,792Total equity capital
$7,792Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$1,400Surplus
$6,192Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$957Income earned, not collected on loans
$0Earning assets
$461Long-term assets (5+ years)
$54,317Average Assets, year-to-date
$1,304Average Assets, quarterly
$60,417Volatile liabilities
$62,027Insider loans
$46,363FHLB advances
$62,386Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,736Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,021Restructured Loans and leases
$571Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,193Total interest income
$555Total interest expense
$2,638Net interest income
$340Provision for loan and lease losses
$304Total noninterest income
$0Fiduciary activities
$241Service charges on deposit accounts
$0Trading account gains & fees
$63Additional noninterest income
$1,521Total noninterest expense
$870Salaries and employee benefits
$86Premises and equipment expense
$565Additional noninterest expense
$1,081Pre-tax net operating income
$0Securities gains (losses)
$10Applicable income taxes
$1,071Income before extraordinary items
$0Extraordinary gains - net
$1,071Net income attributable to bank
$0Net charge-offs
$1,071Cash dividends
$170Sale, conversion, retirement of capital stock, net
$567Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.21%Yield on earning assets
1.08%Cost of funding earning assets
5.13%Net interest margin
0.59%Noninterest income to earning assets
2.96%Noninterest expense to earning assets
1.77%Net operating income to assets
1.77%Return on assets (ROA)
1.79%Pretax return on assets
14.40%Return on equity (ROE)
6.78%Retained earnings to average equity (YTD only)
0.38%Net charge-offs to loans
200.00%Credit loss provision to net charge-offs
8.36%Efficiency ratio
51,700Assets per employee
4.13%Cash dividends to net income (YTD only)
Condition Ratios (%)
52.94%Loss allowance to loans
1.95%Loss allowance to noncurrent loans
93.83%Noncurrent assets plus other real estate owned to assets
1.68%Noncurrent loans to loans
2.08%Net loans and leases to deposits
83.86%Net loans and leases to core deposits
87.09%Equity capital to assets
12.59%Core capital (leverage) ratio
12.40%Tier 1 risk-based capital ratio
16.69%Total risk-based capital ratio
Memoranda
$18Average assets
$60,417Average earning assets
$7,436Average equity
$51,429Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6955
First State Bank Of Beecher City
101 South Charles Street, Beecher City, IL 62414
January 01, 1910
Full Service Brick and Mortar
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