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

Town & Country Bank Midwest - Overview

  • General
  • FDIC Certificate #: 16327
    Status: Active
    Federal Reserve ID: 859150
    Bank Holding Company (Regulatory Top Holder): T & C Bancorp, Inc. (RSSDID: 1095816, Location: Quincy, IL)
    Date Established: October 20, 1945
    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 #: 10513
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: October 20, 1945
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: North Estate Between Wood And Pomeroy Streets, La Belle, MO 63447
    County: Lewis
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Quincy, IL-MO (#39500)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $22.8 mil
    Equity capital: $2.4 mil
    Deposits held in domestic offices: $20.4 mil
    Return on assets (ROA): 1.22% ($0.3 mil)
    Quarterly return on assets: 1.45% ($0.3 mil)
    Return on Equity (ROE): 11.87% ($0.2 mil)
    Quarterly return on equity: 14.17% ($0.3 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.21% ($275.3 mil)
    Quarterly Pretax return on assets: 1.31% ($298.1 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
  • 6Total employees (full-time equivalent)
  • $22,755Total assets
  • $3,927Cash and due from depository institutions
  • $1,443Interest-bearing balances
  • $966Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $15,110Net loans & leases
  • $300Loan loss allowance
  • $0Trading account assets
  • $102Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $22,755Life insurance assets
  • $2,650All other assets
  • $20,399Total liabilities and capital
  • $20,358Total liabilities
  • $16,435Total deposits
  • $20,358Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $41Subordinated debt
  • $2,356All other liabilities
  • $2,356Total equity capital
  • $2,356Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $150Surplus
  • $2,056Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $263Income earned, not collected on loans
  • $0Earning assets
  • $284Long-term assets (5+ years)
  • $17,519Average Assets, year-to-date
  • $1,162Average Assets, quarterly
  • $22,177Volatile liabilities
  • $22,558Insider loans
  • $18,241FHLB advances
  • $23,084Loans and leases held for sale
  • $2,258Unused loan commitments
  • $2,258Tier 1 (core) risk-based capital
  • $2,353Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,151Restructured Loans and leases
  • $203Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,037Total interest income
  • $198Total interest expense
  • $839Net interest income
  • $0Provision for loan and lease losses
  • $115Total noninterest income
  • $0Fiduciary activities
  • $103Service charges on deposit accounts
  • $0Trading account gains & fees
  • $12Additional noninterest income
  • $686Total noninterest expense
  • $319Salaries and employee benefits
  • $66Premises and equipment expense
  • $301Additional noninterest expense
  • $268Pre-tax net operating income
  • $0Securities gains (losses)
  • -$3Applicable income taxes
  • $271Income before extraordinary items
  • $0Extraordinary gains - net
  • $271Net income attributable to bank
  • $0Net charge-offs
  • $271Cash dividends
  • $15Sale, conversion, retirement of capital stock, net
  • $150Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.23%Yield on earning assets
  • 1.19%Cost of funding earning assets
  • 5.04%Net interest margin
  • 0.69%Noninterest income to earning assets
  • 4.12%Noninterest expense to earning assets
  • 1.22%Net operating income to assets
  • 1.22%Return on assets (ROA)
  • 1.21%Pretax return on assets
  • 11.87%Return on equity (ROE)
  • 5.30%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 17.87%Efficiency ratio
  • 71,908Assets per employee
  • 3.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 55.35%Loss allowance to loans
  • 1.95%Loss allowance to noncurrent loans
  • 114.07%Noncurrent assets plus other real estate owned to assets
  • 1.16%Noncurrent loans to loans
  • 1.71%Net loans and leases to deposits
  • 74.22%Net loans and leases to core deposits
  • 74.22%Equity capital to assets
  • 10.35%Core capital (leverage) ratio
  • 10.19%Tier 1 risk-based capital ratio
  • 12.90%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $22,177Average earning assets
  • $2,283Average equity
  • $16,647Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010513Town & Country Bank MidwestNorth Estate Between Wood And Pomeroy Streets, La Belle, MO 63447October 20, 1945Full Service Brick and Mortar

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