FDIC Certificate #: 16327 Status: Active Federal Reserve ID: 859150 Bank Holding Company (Regulatory Top Holder): T & C Bancorp, Inc. (RSSDID: 1095816, Location: Quincy, IL) Date Established: October 20, 1945 WWW:http://www.labelle.townandcountrybk.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 #: 10513 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: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: October 20, 1945 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: North Estate Between Wood And Pomeroy Streets, La Belle, MO 63447 County: Lewis Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: St. Louis Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): Quincy, IL-MO (#39500) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $22.8 mil Equity capital: $2.4 mil Deposits held in domestic offices: $20.4 mil Return on assets (ROA): 1.22% ($0.3 mil) Quarterly return on assets: 1.45% ($0.3 mil) Return on Equity (ROE): 11.87% ($0.2 mil) Quarterly return on equity: 14.17% ($0.3 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.21% ($275.3 mil) Quarterly Pretax return on assets: 1.31% ($298.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$22,755Total assets
$3,927Cash and due from depository institutions
$1,443Interest-bearing balances
$966Securities
$0Federal funds sold & reverse repurchase agreements
$15,110Net loans & leases
$300Loan loss allowance
$0Trading account assets
$102Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$22,755Life insurance assets
$2,650All other assets
$20,399Total liabilities and capital
$20,358Total liabilities
$16,435Total deposits
$20,358Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$41Subordinated debt
$2,356All other liabilities
$2,356Total equity capital
$2,356Total bank equity capital
$0Perpetual preferred stock
$150Common stock
$150Surplus
$2,056Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$263Income earned, not collected on loans
$0Earning assets
$284Long-term assets (5+ years)
$17,519Average Assets, year-to-date
$1,162Average Assets, quarterly
$22,177Volatile liabilities
$22,558Insider loans
$18,241FHLB advances
$23,084Loans and leases held for sale
$2,258Unused loan commitments
$2,258Tier 1 (core) risk-based capital
$2,353Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,151Restructured Loans and leases
$203Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,037Total interest income
$198Total interest expense
$839Net interest income
$0Provision for loan and lease losses
$115Total noninterest income
$0Fiduciary activities
$103Service charges on deposit accounts
$0Trading account gains & fees
$12Additional noninterest income
$686Total noninterest expense
$319Salaries and employee benefits
$66Premises and equipment expense
$301Additional noninterest expense
$268Pre-tax net operating income
$0Securities gains (losses)
-$3Applicable income taxes
$271Income before extraordinary items
$0Extraordinary gains - net
$271Net income attributable to bank
$0Net charge-offs
$271Cash dividends
$15Sale, conversion, retirement of capital stock, net
$150Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.23%Yield on earning assets
1.19%Cost of funding earning assets
5.04%Net interest margin
0.69%Noninterest income to earning assets
4.12%Noninterest expense to earning assets
1.22%Net operating income to assets
1.22%Return on assets (ROA)
1.21%Pretax return on assets
11.87%Return on equity (ROE)
5.30%Retained earnings to average equity (YTD only)
0.10%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
17.87%Efficiency ratio
71,908Assets per employee
3.79%Cash dividends to net income (YTD only)
Condition Ratios (%)
55.35%Loss allowance to loans
1.95%Loss allowance to noncurrent loans
114.07%Noncurrent assets plus other real estate owned to assets
1.16%Noncurrent loans to loans
1.71%Net loans and leases to deposits
74.22%Net loans and leases to core deposits
74.22%Equity capital to assets
10.35%Core capital (leverage) ratio
10.19%Tier 1 risk-based capital ratio
12.90%Total risk-based capital ratio
Memoranda
$14Average assets
$22,177Average earning assets
$2,283Average equity
$16,647Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
10513
Town & Country Bank Midwest
North Estate Between Wood And Pomeroy Streets, La Belle, MO 63447
October 20, 1945
Full Service Brick and Mortar
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