Town & Country Bank in Salem, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Town & Country Bank - Overview

  • General
  • FDIC Certificate #: 13071
    Status: Active
    Federal Reserve ID: 487357
    Bank Holding Company (Regulatory Top Holder): Town & Country Bancshares, Inc (RSSDID: 1095722, Location: Salem, MO)
    Date Established: January 01, 1894
    WWW: http://www.tcbanks.com
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 11 (Domestic: 11, Interstate: No)
    OTS Docket #: 12740
    FDIC's unique #: 8262
    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: Yes
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 08, 2009
    Last Structure Change Process Date: April 24, 2009
    Last Data Update: April 24, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 1009 East Highway 32/72, Salem, MO 65560
    County: Dent
    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
  • History of Changes
  • Corrections
    Change in Primary Regulatory Agency
    Change in Supervisory Agency
    Institution Becomes a Member of FRS (Federal Reserve System)
  • Financial Summary
  • Total assets: $519.3 mil
    Equity capital: $57.7 mil
    Deposits held in domestic offices: $444.9 mil
    Return on assets (ROA): 1.57% ($8.1 mil)
    Quarterly return on assets: 1.54% ($8.0 mil)
    Return on Equity (ROE): 14.31% ($8.3 mil)
    Quarterly return on equity: 13.80% ($8.0 mil)
    Net income: $8.1 mil
    Quarterly Net income: $2.0 mil
    Pretax return on assets: 1.57% ($8,152.6 mil)
    Quarterly Pretax return on assets: 1.54% ($7,996.9 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
  • 153Total employees (full-time equivalent)
  • $519,276Total assets
  • $37,532Cash and due from depository institutions
  • $29,232Interest-bearing balances
  • $89,038Securities
  • $5,673Federal funds sold & reverse repurchase agreements
  • $358,078Net loans & leases
  • $5,247Loan loss allowance
  • $0Trading account assets
  • $13,785Bank premises and fixed assets
  • $1,520Other real estate owned
  • $4,803Goodwill and other intangibles
  • $519,276Life insurance assets
  • $8,847All other assets
  • $461,539Total liabilities and capital
  • $444,914Total liabilities
  • $390,886Total deposits
  • $444,914Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 7507.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,500Trading liabilities
  • $0Other borrowed funds
  • $1,618Subordinated debt
  • $57,737All other liabilities
  • $57,737Total equity capital
  • $57,737Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $20,764Surplus
  • $36,823Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $434Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,503Income earned, not collected on loans
  • $0Earning assets
  • $2,479Long-term assets (5+ years)
  • $482,021Average Assets, year-to-date
  • $193,075Average Assets, quarterly
  • $513,450Volatile liabilities
  • $518,713Insider loans
  • $288,524FHLB advances
  • $515,170Loans and leases held for sale
  • $2,805Unused loan commitments
  • $2,805Tier 1 (core) risk-based capital
  • $49,812Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,685Restructured Loans and leases
  • $6,247Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $23,827Total interest income
  • $5,069Total interest expense
  • $18,758Net interest income
  • $861Provision for loan and lease losses
  • $3,002Total noninterest income
  • $0Fiduciary activities
  • $1,400Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,602Additional noninterest income
  • $12,840Total noninterest expense
  • $7,816Salaries and employee benefits
  • $1,546Premises and equipment expense
  • $3,478Additional noninterest expense
  • $8,059Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $8,059Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,059Net income attributable to bank
  • $0Net charge-offs
  • $8,059Cash dividends
  • $617Sale, conversion, retirement of capital stock, net
  • $6,211Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.99%Yield on earning assets
  • 1.06%Cost of funding earning assets
  • 3.93%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 2.69%Noninterest expense to earning assets
  • 1.57%Net operating income to assets
  • 1.57%Return on assets (ROA)
  • 1.57%Pretax return on assets
  • 14.31%Return on equity (ROE)
  • 3.28%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 139.55%Credit loss provision to net charge-offs
  • 14.46%Efficiency ratio
  • 58,837Assets per employee
  • 3.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 77.07%Loss allowance to loans
  • 1.44%Loss allowance to noncurrent loans
  • 349.10%Noncurrent assets plus other real estate owned to assets
  • 0.58%Noncurrent loans to loans
  • 0.41%Net loans and leases to deposits
  • 80.48%Net loans and leases to core deposits
  • 84.74%Equity capital to assets
  • 11.12%Core capital (leverage) ratio
  • 9.67%Tier 1 risk-based capital ratio
  • 17.26%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $513,450Average earning assets
  • $56,319Average equity
  • $477,038Average loans

List of branches

  • 11 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08262Town & Country Bank1009 East Highway 32/72, Salem, MO 65560January 01, 1894Full Service Brick and Mortar
    55467Bourbon BranchMain Street, Bourbon, MO 65441August 20, 1904Full Service Brick and Mortar
    6218728St. James Branch325 North Jefferson, St. James, MO 65559April 10, 1995Full Service Brick and Mortar
    7218729Rolla Branch910 South Bishop, Rolla, MO 65401May 10, 1999Full Service Brick and Mortar
    87763Licking BranchMain Street, Licking, MO 65542October 30, 1924Full Service Brick and Mortar
    9360760Scenic Rivers Blvd. Branch400 West Scenic Rivers Boulevard, Salem, MO 65560October 23, 2000Full Service Brick and Mortar
    11423040Rolla North Bishop Branch1804 North Bishop, Rolla, MO 65401August 06, 2003Full Service Brick and Mortar
    125293400 South Jefferson Street Branch400 South Jefferson Street, Ava, MO 65608July 05, 1905Full Service Brick and Mortar
    13218258Ava BranchHighways 5 And 14, Ava, MO 65608September 17, 1984Limited Service Facility
    14218259Mountain Grove Branch910 North Main, Mountain Grove, MO 65711September 28, 1992Full Service Brick and Mortar
    15510791Pevely Bank Branch1645 State Ro Z, Pevely, MO 63070July 26, 2010Full Service Brick and Mortar

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