Town And Country Bank in Springfield, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Town And Country Bank in Springfield, Illinois (IL)
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Town And Country Bank - Overview

  • General
  • FDIC Certificate #: 18487
    Status: Active
    Federal Reserve ID: 590248
    Bank Holding Company (Regulatory Top Holder): Town And Country Financial Corporation (RSSDID: 1208531, Location: Springfield, IL)
    Date Established: March 01, 1962
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 9151
    FDIC's unique #: 12382
    Numeric code: 13
    Regulator: FED
    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: March 01, 1962
    Last Structure Change Effective Date: June 06, 2011
    Last Structure Change Process Date: June 24, 2011
    Last Data Update: June 24, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1925 South Macarthur Boulevard, Springfield, IL 62704
    County: Sangamon
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Springfield Il
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Springfield, IL (#7880)
    Core Based Statistical Area (CBSA): Springfield, IL (#44100)
    CBSA Metro Statistical Area: Springfield, IL (#44100)
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $289.7 mil
    Equity capital: $37.9 mil
    Deposits held in domestic offices: $237.2 mil
    Return on assets (ROA): 0.92% ($2.7 mil)
    Quarterly return on assets: 0.84% ($2.4 mil)
    Return on Equity (ROE): 7.42% ($2.8 mil)
    Quarterly return on equity: 6.42% ($2.4 mil)
    Net income: $2.6 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.41% ($4,084.9 mil)
    Quarterly Pretax return on assets: 1.26% ($3,650.4 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
  • 110Total employees (full-time equivalent)
  • $289,712Total assets
  • $12,070Cash and due from depository institutions
  • $7,107Interest-bearing balances
  • $48,854Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $208,902Net loans & leases
  • $2,505Loan loss allowance
  • $0Trading account assets
  • $8,572Bank premises and fixed assets
  • $972Other real estate owned
  • $2,618Goodwill and other intangibles
  • $289,712Life insurance assets
  • $7,724All other assets
  • $251,858Total liabilities and capital
  • $237,224Total liabilities
  • $201,701Total deposits
  • $237,224Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,500Trading liabilities
  • $0Other borrowed funds
  • $2,134Subordinated debt
  • $37,854All other liabilities
  • $37,854Total equity capital
  • $37,854Total bank equity capital
  • $0Perpetual preferred stock
  • $953Common stock
  • $13,183Surplus
  • $23,718Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $7,422Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $930Income earned, not collected on loans
  • $0Earning assets
  • $782Long-term assets (5+ years)
  • $264,863Average Assets, year-to-date
  • $65,062Average Assets, quarterly
  • $278,265Volatile liabilities
  • $287,634Insider loans
  • $256,642FHLB advances
  • $286,249Loans and leases held for sale
  • $3,348Unused loan commitments
  • $3,348Tier 1 (core) risk-based capital
  • $36,856Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $71,449Restructured Loans and leases
  • $2,715Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,087Total interest income
  • $2,080Total interest expense
  • $11,007Net interest income
  • $0Provision for loan and lease losses
  • $3,331Total noninterest income
  • $288Fiduciary activities
  • $715Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,328Additional noninterest income
  • $10,612Total noninterest expense
  • $6,399Salaries and employee benefits
  • $1,457Premises and equipment expense
  • $2,756Additional noninterest expense
  • $3,726Pre-tax net operating income
  • $196Securities gains (losses)
  • $1,359Applicable income taxes
  • $2,563Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,563Net income attributable to bank
  • $0Net charge-offs
  • $2,563Cash dividends
  • -$12Sale, conversion, retirement of capital stock, net
  • $330Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.15%Yield on earning assets
  • 0.82%Cost of funding earning assets
  • 4.33%Net interest margin
  • 1.31%Noninterest income to earning assets
  • 4.18%Noninterest expense to earning assets
  • 0.88%Net operating income to assets
  • 0.92%Return on assets (ROA)
  • 1.41%Pretax return on assets
  • 7.42%Return on equity (ROE)
  • 6.46%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 74,013Assets per employee
  • 2.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 12.88%Loss allowance to loans
  • 1.18%Loss allowance to noncurrent loans
  • 269.35%Noncurrent assets plus other real estate owned to assets
  • 0.66%Noncurrent loans to loans
  • 0.44%Net loans and leases to deposits
  • 88.06%Net loans and leases to core deposits
  • 97.44%Equity capital to assets
  • 13.07%Core capital (leverage) ratio
  • 12.88%Tier 1 risk-based capital ratio
  • 14.36%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $278,265Average earning assets
  • $34,541Average equity
  • $253,989Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $53,236Managed Assets
  • 1Number of Accounts
  • $40,952Personal trust and agency accounts
  • $16,755Employee benefit-defined contribution accounts
  • $17,776Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $1,007Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $5,414Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 208Number of Accounts
  • $0Personal trust and agency accounts
  • $1,007Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $12,284Other retirement accounts
  • $0Corporate trust and agency accounts
  • $2,473Other fiduciary accounts
  • $8,197Fiduciary accounts held in foreign offices

List of branches

  • 7 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012382Town And Country Bank1925 South Macarthur Boulevard, Springfield, IL 62704March 01, 1962Full Service Brick and Mortar
    3245473White Oaks Mall Branch2401 West Wabash Avenue, Area D14, Springfield, IL 62704September 19, 1988Full Service Brick and Mortar
    4245474Landing Branch3601 Wabash Ave., Springfield, IL 62711March 15, 1994Full Service Brick and Mortar
    6437184Dirksen Parkway Branch2601 North Dirksen Parkway, Springfield, IL 62702December 28, 2004Full Service Brick and Mortar
    82749331645 State Highway 121 Branch1645 State Highway 121, Mount Zion, IL 62549January 01, 1902Full Service Brick and Mortar
    9430187Forysth Branch107 East Highland Drive, Forsyth, IL 62535April 01, 2004Full Service Brick and Mortar
    10521634Decatur Office Branch445 N Franklin, Decatur, IL 62523May 23, 2011Full Service Brick and Mortar

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