FDIC Certificate #: 12457 Status: Active Federal Reserve ID: 699253 Bank Holding Company (Regulatory Top Holder): T & C Bancorp, Inc. (RSSDID: 1095816, Location: Quincy, IL) Date Established: September 10, 1914 WWW:http://www.cbofe.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) OTS Docket #: 15978 FDIC's unique #: 7929 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: October 18, 2007 Last Structure Change Process Date: October 30, 2007 Last Data Update: October 30, 2007 Data Source Date: April 05, 2012
Location
Address: Main And Morgan Streets, Edina, MO 63537 County: Knox Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Columbia Mo Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West
Financial Summary
Total assets: $68.1 mil Equity capital: $7.1 mil Deposits held in domestic offices: $59.9 mil Return on assets (ROA): 1.42% ($1.0 mil) Quarterly return on assets: 1.32% ($0.9 mil) Return on Equity (ROE): 13.27% ($0.9 mil) Quarterly return on equity: 12.18% ($0.9 mil) Net income: $0.9 mil Quarterly Net income: $0.2 mil Pretax return on assets: 2.40% ($1,635.5 mil) Quarterly Pretax return on assets: 2.12% ($1,444.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
16Total employees (full-time equivalent)
$68,147Total assets
$3,217Cash and due from depository institutions
$770Interest-bearing balances
$5,012Securities
$6,230Federal funds sold & reverse repurchase agreements
$49,878Net loans & leases
$743Loan loss allowance
$0Trading account assets
$138Bank premises and fixed assets
$404Other real estate owned
$0Goodwill and other intangibles
$68,147Life insurance assets
$3,268All other assets
$61,024Total liabilities and capital
$59,918Total liabilities
$48,052Total deposits
$59,918Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$676Trading liabilities
$0Other borrowed funds
$430Subordinated debt
$7,123All other liabilities
$7,123Total equity capital
$7,123Total bank equity capital
$0Perpetual preferred stock
$375Common stock
$400Surplus
$6,348Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$674Income earned, not collected on loans
$0Earning assets
$966Long-term assets (5+ years)
$61,890Average Assets, year-to-date
$4,638Average Assets, quarterly
$66,460Volatile liabilities
$65,796Insider loans
$52,923FHLB advances
$66,004Loans and leases held for sale
$1,877Unused loan commitments
$1,877Tier 1 (core) risk-based capital
$7,112Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,374Restructured Loans and leases
$954Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,281Total interest income
$604Total interest expense
$2,677Net interest income
$0Provision for loan and lease losses
$284Total noninterest income
$0Fiduciary activities
$171Service charges on deposit accounts
$0Trading account gains & fees
$113Additional noninterest income
$1,367Total noninterest expense
$670Salaries and employee benefits
$117Premises and equipment expense
$580Additional noninterest expense
$1,594Pre-tax net operating income
$0Securities gains (losses)
$653Applicable income taxes
$941Income before extraordinary items
$0Extraordinary gains - net
$941Net income attributable to bank
$0Net charge-offs
$941Cash dividends
$34Sale, conversion, retirement of capital stock, net
$884Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.40%Yield on earning assets
0.99%Cost of funding earning assets
4.41%Net interest margin
0.47%Noninterest income to earning assets
2.25%Noninterest expense to earning assets
1.42%Net operating income to assets
1.42%Return on assets (ROA)
2.40%Pretax return on assets
13.27%Return on equity (ROE)
0.80%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
46.88%Efficiency ratio
46,167Assets per employee
4.26%Cash dividends to net income (YTD only)
Condition Ratios (%)
93.94%Loss allowance to loans
1.47%Loss allowance to noncurrent loans
110.24%Noncurrent assets plus other real estate owned to assets
1.58%Noncurrent loans to loans
1.33%Net loans and leases to deposits
83.24%Net loans and leases to core deposits
87.02%Equity capital to assets
10.45%Core capital (leverage) ratio
10.78%Tier 1 risk-based capital ratio
13.44%Total risk-based capital ratio
Memoranda
$15Average assets
$66,460Average earning assets
$7,091Average equity
$60,766Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
7929
The Citizens Bank Of Edina
Main And Morgan Streets, Edina, MO 63537
September 10, 1914
Full Service Brick and Mortar
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