Town & Country Bank in Saint George, Utah (UT)
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| Town & Country Bank | |
|---|---|
| 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) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 18 |
| Total assets | $68,852 |
| Cash and due from depository institutions | $7,942 |
| Interest-bearing balances | $7,172 |
| Securities | $3,175 |
| Federal funds sold & reverse repurchase agreements | $4,138 |
| Net loans & leases | $51,846 |
| Loan loss allowance | $861 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $426 |
| Other real estate owned | $510 |
| Goodwill and other intangibles | $0 |
| All other assets | $815 |
| Life insurance assets | $68,852 |
| Total liabilities and capital | $60,541 |
| Total liabilities | $60,442 |
| Total deposits | $50,974 |
| Interest-bearing deposits | $60,442 |
| Deposits held in domestic offices | $92 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $99 |
| All other liabilities | $8,311 |
| Total equity capital | $8,311 |
| Total bank equity capital | $8,311 |
| Perpetual preferred stock | $0 |
| Common stock | $12,565 |
| Surplus | $0 |
| Undivided profits | $-4,254 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $1,464 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $214 |
| Average Assets, year-to-date | $66,331 |
| Average Assets, quarterly | $14,712 |
| Volatile liabilities | $67,067 |
| Insider loans | $66,834 |
| FHLB advances | $56,604 |
| Loans and leases held for sale | $66,297 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $8,311 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $11,902 |
| Derivatives | $1,674 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $3,411 |
| Total interest expense | $443 |
| Net interest income | $2,968 |
| Provision for loan and lease losses | $0 |
| Total noninterest income | $262 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $77 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $185 |
| Total noninterest expense | $2,926 |
| Salaries and employee benefits | $1,402 |
| Premises and equipment expense | $346 |
| Additional noninterest expense | $1,178 |
| Pre-tax net operating income | $304 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $0 |
| Income before extraordinary items | $304 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $304 |
| Net charge-offs | $0 |
| Cash dividends | $304 |
| Sale, conversion, retirement of capital stock, net | $190 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.35% |
| Cost of funding earning assets | 0.69% |
| Net interest margin | 4.65% |
| Noninterest income to earning assets | 0.41% |
| Noninterest expense to earning assets | 4.59% |
| Net operating income to assets | 0.45% |
| Return on assets (ROA) | 0.45% |
| Pretax return on assets | 0.45% |
| Return on equity (ROE) | 3.79% |
| Retained earnings to average equity (YTD only) | 3.79% |
| Net charge-offs to loans | 0.38% |
| Credit loss provision to net charge-offs | 0.00% |
| Efficiency ratio | 1.60% |
| Assets per employee | $90,588 |
| Cash dividends to net income (YTD only) | 3.83% |
| Condition Ratios (%) | |
| Loss allowance to loans | 0.00% |
| Loss allowance to noncurrent loans | 1.63% |
| Noncurrent assets plus other real estate owned to assets | 58.81% |
| Noncurrent loans to loans | 2.87% |
| Net loans and leases to deposits | 2.78% |
| Net loans and leases to core deposits | 85.78% |
| Equity capital to assets | 92.44% |
| Core capital (leverage) ratio | 12.07% |
| Tier 1 risk-based capital ratio | 12.54% |
| Total risk-based capital ratio | 14.68% |
| Memoranda | |
| Average assets | $16 |
| Average earning assets | $67,067 |
| Average equity | $8,021 |
| Average loans | $63,798 |
| 1 Utah Branch as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 455263 | Town & Country Bank | 405 East St. George Boulevard, Saint George, UT 84770 | Febuary 19, 2008 | Full Service Brick and Mortar |  |
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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.