FDIC Certificate #: 58300 Status: Active Federal Reserve ID: 3446225 Bank Holding Company (Regulatory Top Holder): Table Rock Bancshares Corporation (RSSDID: 3446430, Location: Kimberling City, MO) Date Established: August 28, 2006 WWW:http://www.trcbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 445678 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: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: August 28, 2006 Last Structure Change Effective Date: August 21, 2009 Last Structure Change Process Date: August 21, 2009 Last Data Update: August 21, 2009 Data Source Date: April 05, 2012
Location
Address: Kimberling Village Professional Center, Kimberling City, MO 65686 County: Stone Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Springfield Mo Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): Branson, MO (#14700) CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Financial Summary
Total assets: $48.2 mil Equity capital: $3.8 mil Deposits held in domestic offices: $44.1 mil Return on assets (ROA): 1.44% ($0.7 mil) Quarterly return on assets: 2.50% ($1.2 mil) Return on Equity (ROE): 19.05% ($0.8 mil) Quarterly return on equity: 33.01% ($1.3 mil) Net income: $0.6 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.30% ($626.4 mil) Quarterly Pretax return on assets: 1.98% ($954.1 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
10Total employees (full-time equivalent)
$48,186Total assets
$3,817Cash and due from depository institutions
$1,044Interest-bearing balances
$5,206Securities
$2,100Federal funds sold & reverse repurchase agreements
$35,874Net loans & leases
$603Loan loss allowance
$0Trading account assets
$432Bank premises and fixed assets
$100Other real estate owned
$0Goodwill and other intangibles
$48,186Life insurance assets
$657All other assets
$44,401Total liabilities and capital
$44,113Total liabilities
$42,019Total deposits
$44,113Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$288Subordinated debt
$3,785All other liabilities
$3,785Total equity capital
$3,785Total bank equity capital
$0Perpetual preferred stock
$2,000Common stock
$2,000Surplus
$-215Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$875Income earned, not collected on loans
$0Earning assets
$219Long-term assets (5+ years)
$44,224Average Assets, year-to-date
$7,954Average Assets, quarterly
$45,004Volatile liabilities
$48,314Insider loans
$33,136FHLB advances
$48,837Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,806Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,778Restructured Loans and leases
$1,915Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,454Total interest income
$500Total interest expense
$1,954Net interest income
$233Provision for loan and lease losses
$113Total noninterest income
$0Fiduciary activities
$61Service charges on deposit accounts
$0Trading account gains & fees
$52Additional noninterest income
$1,248Total noninterest expense
$637Salaries and employee benefits
$133Premises and equipment expense
$478Additional noninterest expense
$586Pre-tax net operating income
$0Securities gains (losses)
-$63Applicable income taxes
$649Income before extraordinary items
$0Extraordinary gains - net
$649Net income attributable to bank
$0Net charge-offs
$649Cash dividends
$80Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.97%Yield on earning assets
1.22%Cost of funding earning assets
4.75%Net interest margin
0.27%Noninterest income to earning assets
3.04%Noninterest expense to earning assets
1.44%Net operating income to assets
1.44%Return on assets (ROA)
1.30%Pretax return on assets
19.05%Return on equity (ROE)
19.05%Retained earnings to average equity (YTD only)
0.24%Net charge-offs to loans
291.25%Credit loss provision to net charge-offs
10.24%Efficiency ratio
60,377Assets per employee
4.82%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.65%Loss allowance to noncurrent loans
68.91%Noncurrent assets plus other real estate owned to assets
2.02%Noncurrent loans to loans
2.40%Net loans and leases to deposits
81.32%Net loans and leases to core deposits
86.20%Equity capital to assets
7.85%Core capital (leverage) ratio
7.79%Tier 1 risk-based capital ratio
11.49%Total risk-based capital ratio
Memoranda
$13Average assets
$45,004Average earning assets
$3,406Average equity
$41,113Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
445678
Table Rock Community Bank
Kimberling Village Professional Center, Kimberling City, MO 65686
August 28, 2006
Full Service Brick and Mortar
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