FDIC Certificate #: 8495 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Town And Country Bank (#18487) Federal Reserve ID: 464536 Date Established: November 20, 1911 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 3 (Interstate: No) OTS Docket #: 9213 FDIC's unique #: 5408 Numeric code: 13 Regulator: FED Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: July 11, 2009 Last Structure Change Process Date: August 18, 2009 Last Data Update: August 18, 2009 Data Source Date: April 05, 2012
Location
Address: Buffalo Road, Buffalo, IL 62515 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)
Financial Summary
Total assets: $72.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2008)
Dollar figures in thousands
17Total employees (full-time equivalent)
$74,996Total assets
$3,079Cash and due from depository institutions
$1,711Interest-bearing balances
$31,263Securities
$1,775Federal funds sold & reverse repurchase agreements
$37,075Net loans & leases
$751Loan loss allowance
$0Trading account assets
$686Bank premises and fixed assets
$41Other real estate owned
$234Goodwill and other intangibles
$0Life insurance assets
$843All other assets
$74,996Total liabilities and capital
$69,356Total liabilities
$63,109Total deposits
$58,917Interest-bearing deposits
$63,109Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$5,875Other borrowed funds
$0Subordinated debt
$372All other liabilities
$5,640Total equity capital
$5,640Total bank equity capital
$5,640Perpetual preferred stock
$0Common stock
$200Surplus
$1,670Undivided profits
Memoranda
$3,770Noncurrent loans and leases
$5,198Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,117Earning assets
$0Long-term assets (5+ years)
$402Average Assets, year-to-date
$71,824Average Assets, quarterly
$27,458Volatile liabilities
$66,642Insider loans
$70,675FHLB advances
$13,485Loans and leases held for sale
$33Unused loan commitments
$5,750Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$5,198Total unused commitments
$0Restructured Loans and leases
$512Derivatives
Income and Expense (December 31, 2008)
Dollar figures in thousands
$3,651Total interest income
$1,996Total interest expense
$1,655Net interest income
$50Provision for loan and lease losses
$250Total noninterest income
$0Fiduciary activities
$185Service charges on deposit accounts
$0Trading account gains & fees
$65Additional noninterest income
$1,959Total noninterest expense
$898Salaries and employee benefits
$227Premises and equipment expense
$834Additional noninterest expense
-$104Pre-tax net operating income
-$296Securities gains (losses)
-$116Applicable income taxes
-$284Income before extraordinary items
$0Extraordinary gains - net
-$284Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$140Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2008)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.78%Yield on earning assets
3.16%Cost of funding earning assets
2.62%Net interest margin
0.40%Noninterest income to earning assets
3.10%Noninterest expense to earning assets
-0.11%Net operating income to assets
-0.43%Return on assets (ROA)
-0.60%Pretax return on assets
-5.15%Return on equity (ROE)
-5.15%Retained earnings to average equity (YTD only)
0.35%Net charge-offs to loans
35.71%Credit loss provision to net charge-offs
-0.39%Efficiency ratio
100,840Assets per employee
4.41%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.99%Loss allowance to noncurrent loans
67.23%Noncurrent assets plus other real estate owned to assets
1.54%Noncurrent loans to loans
2.95%Net loans and leases to deposits
58.75%Net loans and leases to core deposits
74.52%Equity capital to assets
7.52%Core capital (leverage) ratio
6.95%Tier 1 risk-based capital ratio
12.45%Total risk-based capital ratio
Memoranda
$14Average assets
$66,642Average earning assets
$5,518Average equity
$63,117Average loans
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