Town & Country Bank Midwest in La Belle, Missouri (MO)



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Town & Country Bank Midwest
GeneralFDIC 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
WWW: http://www.labelle.townandcountrybk.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 #: 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)6
Total assets$22,755
Cash and due from depository institutions$3,927
Interest-bearing balances$1,443
Securities$966
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$15,110
Loan loss allowance $300
Trading account assets$0
Bank premises and fixed assets$102
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$2,650
Life insurance assets$22,755
Total liabilities and capital$20,399
Total liabilities$20,358
Total deposits$16,435
Interest-bearing deposits$20,358
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $41
All other liabilities $2,356
Total equity capital$2,356
Total bank equity capital$2,356
Perpetual preferred stock$0
Common stock$150
Surplus$150
Undivided profits $2,056
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 $263
Earning assets $0
Long-term assets (5+ years) $284
Average Assets, year-to-date $17,519
Average Assets, quarterly $1,162
Volatile liabilities $22,177
Insider loans $22,558
FHLB advances $18,241
Loans and leases held for sale $23,084
Unused loan commitments $2,258
Tier 1 (core) risk-based capital $2,258
Tier 2 risk-based capital $2,353
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $2,151
Derivatives$203
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,037
Total interest expense $198
Net interest income $839
Provision for loan and lease losses $0
Total noninterest income $115
Fiduciary activities $0
Service charges on deposit accounts $103
Trading account gains & fees $0
Additional noninterest income $12
Total noninterest expense $686
Salaries and employee benefits $319
Premises and equipment expense $66
Additional noninterest expense $301
Pre-tax net operating income $268
Securities gains (losses) $0
Applicable income taxes -$3
Income before extraordinary items $271
Extraordinary gains - net $0
Net income attributable to bank $271
Net charge-offs $0
Cash dividends $271
Sale, conversion, retirement of capital stock, net $15
Net operating income $150
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.23%
Cost of funding earning assets 1.19%
Net interest margin 5.04%
Noninterest income to earning assets 0.69%
Noninterest expense to earning assets 4.12%
Net operating income to assets 1.22%
Return on assets (ROA) 1.22%
Pretax return on assets 1.21%
Return on equity (ROE) 11.87%
Retained earnings to average equity (YTD only) 5.30%
Net charge-offs to loans 0.10%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio17.87%
Assets per employee$71,908
Cash dividends to net income (YTD only)3.79%
Condition Ratios (%)
Loss allowance to loans 55.35%
Loss allowance to noncurrent loans 1.95%
Noncurrent assets plus other real estate owned to assets 114.07%
Noncurrent loans to loans 1.16%
Net loans and leases to deposits1.71%
Net loans and leases to core deposits 74.22%
Equity capital to assets 74.22%
Core capital (leverage) ratio 10.35%
Tier 1 risk-based capital ratio 10.19%
Total risk-based capital ratio 12.90%
Memoranda
Average assets$14
Average earning assets$22,177
Average equity $2,283
Average loans $16,647
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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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