Town & Country Bank in Saint George, Utah (UT)
Overview, Financial Summary, Detailed Financial Reports, Branches


Town & Country Bank - Overview

  • General
  • FDIC Certificate #: 58522
    Status: Active
    Federal Reserve ID: 3701054
    Date Established: Febuary 19, 2008
    WWW: http://www.tcbankutah.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 #: 455263
    Numeric code: 21
    Regulator: FDIC
    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: Febuary 19, 2008
    Last Structure Change Effective Date: December 31, 2010
    Last Structure Change Process Date: January 05, 2011
    Last Data Update: January 05, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 405 East St. George Boulevard, Saint George, UT 84770
    County: Washington
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Salt Lake City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): St. George, UT (#41100)
    CBSA Metro Statistical Area: St. George, UT (#41100)
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $68.9 mil
    Equity capital: $8.3 mil
    Deposits held in domestic offices: $60.4 mil
    Return on assets (ROA): 0.45% ($0.3 mil)
    Quarterly return on assets: 0.62% ($0.4 mil)
    Return on Equity (ROE): 3.79% ($0.3 mil)
    Quarterly return on equity: 5.04% ($0.4 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.45% ($309.8 mil)
    Quarterly Pretax return on assets: 0.62% ($426.9 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
  • 18Total employees (full-time equivalent)
  • $68,852Total assets
  • $7,942Cash and due from depository institutions
  • $7,172Interest-bearing balances
  • $3,175Securities
  • $4,138Federal funds sold & reverse repurchase agreements
  • $51,846Net loans & leases
  • $861Loan loss allowance
  • $0Trading account assets
  • $426Bank premises and fixed assets
  • $510Other real estate owned
  • $0Goodwill and other intangibles
  • $68,852Life insurance assets
  • $815All other assets
  • $60,541Total liabilities and capital
  • $60,442Total liabilities
  • $50,974Total deposits
  • $60,442Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $99Subordinated debt
  • $8,311All other liabilities
  • $8,311Total equity capital
  • $8,311Total bank equity capital
  • $0Perpetual preferred stock
  • $12,565Common stock
  • $0Surplus
  • $-4,254Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,464Income earned, not collected on loans
  • $0Earning assets
  • $214Long-term assets (5+ years)
  • $66,331Average Assets, year-to-date
  • $14,712Average Assets, quarterly
  • $67,067Volatile liabilities
  • $66,834Insider loans
  • $56,604FHLB advances
  • $66,297Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,311Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,902Restructured Loans and leases
  • $1,674Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,411Total interest income
  • $443Total interest expense
  • $2,968Net interest income
  • $0Provision for loan and lease losses
  • $262Total noninterest income
  • $0Fiduciary activities
  • $77Service charges on deposit accounts
  • $0Trading account gains & fees
  • $185Additional noninterest income
  • $2,926Total noninterest expense
  • $1,402Salaries and employee benefits
  • $346Premises and equipment expense
  • $1,178Additional noninterest expense
  • $304Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $304Income before extraordinary items
  • $0Extraordinary gains - net
  • $304Net income attributable to bank
  • $0Net charge-offs
  • $304Cash dividends
  • $190Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.35%Yield on earning assets
  • 0.69%Cost of funding earning assets
  • 4.65%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 4.59%Noninterest expense to earning assets
  • 0.45%Net operating income to assets
  • 0.45%Return on assets (ROA)
  • 0.45%Pretax return on assets
  • 3.79%Return on equity (ROE)
  • 3.79%Retained earnings to average equity (YTD only)
  • 0.38%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 1.60%Efficiency ratio
  • 90,588Assets per employee
  • 3.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.63%Loss allowance to noncurrent loans
  • 58.81%Noncurrent assets plus other real estate owned to assets
  • 2.87%Noncurrent loans to loans
  • 2.78%Net loans and leases to deposits
  • 85.78%Net loans and leases to core deposits
  • 92.44%Equity capital to assets
  • 12.07%Core capital (leverage) ratio
  • 12.54%Tier 1 risk-based capital ratio
  • 14.68%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $67,067Average earning assets
  • $8,021Average equity
  • $63,798Average loans

List of branches

  • 1 Utah Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0455263Town & Country Bank405 East St. George Boulevard, Saint George, UT 84770Febuary 19, 2008Full Service Brick and Mortar

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