FDIC Certificate #: 1965 Status: Active Federal Reserve ID: 649351 Bank Holding Company (Regulatory Top Holder): T & C Bancorp, Inc. (RSSDID: 1095816, Location: Quincy, IL) Date Established: December 23, 1903 WWW:http://www.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 #: 1323 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: 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: 100 North Main Street, La Grange, MO 63448 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: $25.3 mil Equity capital: $2.7 mil Deposits held in domestic offices: $22.6 mil Return on assets (ROA): 0.27% ($0.1 mil) Quarterly return on assets: 1.44% ($0.4 mil) Return on Equity (ROE): 2.70% ($0.1 mil) Quarterly return on equity: 13.91% ($0.4 mil) Net income: $0.1 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.27% ($68.3 mil) Quarterly Pretax return on assets: 1.44% ($364.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
7Total employees (full-time equivalent)
$25,281Total assets
$3,218Cash and due from depository institutions
$1,002Interest-bearing balances
$2,343Securities
$0Federal funds sold & reverse repurchase agreements
$16,946Net loans & leases
$226Loan loss allowance
$0Trading account assets
$119Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$25,281Life insurance assets
$2,655All other assets
$22,589Total liabilities and capital
$22,563Total liabilities
$19,268Total deposits
$22,563Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$26Subordinated debt
$2,692All other liabilities
$2,692Total equity capital
$2,692Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$300Surplus
$2,292Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$322Income earned, not collected on loans
$0Earning assets
$162Long-term assets (5+ years)
$20,291Average Assets, year-to-date
$1,575Average Assets, quarterly
$25,966Volatile liabilities
$25,541Insider loans
$20,829FHLB advances
$25,961Loans and leases held for sale
$2,325Unused loan commitments
$2,325Tier 1 (core) risk-based capital
$2,692Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$186Restructured Loans and leases
$1,192Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,131Total interest income
$189Total interest expense
$942Net interest income
$61Provision for loan and lease losses
$217Total noninterest income
$0Fiduciary activities
$60Service charges on deposit accounts
$0Trading account gains & fees
$157Additional noninterest income
$1,027Total noninterest expense
$305Salaries and employee benefits
$89Premises and equipment expense
$633Additional noninterest expense
$71Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$71Income before extraordinary items
$0Extraordinary gains - net
$71Net income attributable to bank
$0Net charge-offs
$71Cash dividends
$93Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.57%Yield on earning assets
0.93%Cost of funding earning assets
4.64%Net interest margin
1.07%Noninterest income to earning assets
5.06%Noninterest expense to earning assets
0.27%Net operating income to assets
0.27%Return on assets (ROA)
0.27%Pretax return on assets
2.70%Return on equity (ROE)
2.70%Retained earnings to average equity (YTD only)
0.52%Net charge-offs to loans
65.59%Credit loss provision to net charge-offs
1.42%Efficiency ratio
88,611Assets per employee
3.61%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.32%Loss allowance to noncurrent loans
70.19%Noncurrent assets plus other real estate owned to assets
1.27%Noncurrent loans to loans
1.88%Net loans and leases to deposits
75.11%Net loans and leases to core deposits
76.97%Equity capital to assets
10.65%Core capital (leverage) ratio
10.37%Tier 1 risk-based capital ratio
12.92%Total risk-based capital ratio
Memoranda
$14Average assets
$25,966Average earning assets
$2,630Average equity
$20,306Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
1323
Town & Country Bank Of Missouri
100 North Main Street, La Grange, MO 63448
December 23, 1903
Full Service Brick and Mortar
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