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

  • Town & Country Bank of Missouri in La Grange, Missouri (MO)
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Town & Country Bank of Missouri - Overview

  • General
  • FDIC Certificate #: 1965
    Status: Active
    Federal Reserve ID: 649351
    Bank Holding Company (Regulatory Top Holder): T & C Bancorp, Inc. (RSSDID: 1095816, Location: Quincy, IL)
    Date Established: December 23, 1903
    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 #: 1323
    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: January 01, 1934
    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: 100 North Main Street, La Grange, MO 63448
    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: $25.3 mil
    Equity capital: $2.7 mil
    Deposits held in domestic offices: $22.6 mil
    Return on assets (ROA): 0.27% ($0.1 mil)
    Quarterly return on assets: 1.44% ($0.4 mil)
    Return on Equity (ROE): 2.70% ($0.1 mil)
    Quarterly return on equity: 13.91% ($0.4 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.27% ($68.3 mil)
    Quarterly Pretax return on assets: 1.44% ($364.0 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, 2011)

  • Dollar figures in thousands
  • 7Total employees (full-time equivalent)
  • $25,281Total assets
  • $3,218Cash and due from depository institutions
  • $1,002Interest-bearing balances
  • $2,343Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $16,946Net loans & leases
  • $226Loan loss allowance
  • $0Trading account assets
  • $119Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $25,281Life insurance assets
  • $2,655All other assets
  • $22,589Total liabilities and capital
  • $22,563Total liabilities
  • $19,268Total deposits
  • $22,563Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $26Subordinated debt
  • $2,692All other liabilities
  • $2,692Total equity capital
  • $2,692Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $300Surplus
  • $2,292Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $322Income earned, not collected on loans
  • $0Earning assets
  • $162Long-term assets (5+ years)
  • $20,291Average Assets, year-to-date
  • $1,575Average Assets, quarterly
  • $25,966Volatile liabilities
  • $25,541Insider loans
  • $20,829FHLB advances
  • $25,961Loans and leases held for sale
  • $2,325Unused loan commitments
  • $2,325Tier 1 (core) risk-based capital
  • $2,692Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $186Restructured Loans and leases
  • $1,192Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,131Total interest income
  • $189Total interest expense
  • $942Net interest income
  • $61Provision for loan and lease losses
  • $217Total noninterest income
  • $0Fiduciary activities
  • $60Service charges on deposit accounts
  • $0Trading account gains & fees
  • $157Additional noninterest income
  • $1,027Total noninterest expense
  • $305Salaries and employee benefits
  • $89Premises and equipment expense
  • $633Additional noninterest expense
  • $71Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $71Income before extraordinary items
  • $0Extraordinary gains - net
  • $71Net income attributable to bank
  • $0Net charge-offs
  • $71Cash dividends
  • $93Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.57%Yield on earning assets
  • 0.93%Cost of funding earning assets
  • 4.64%Net interest margin
  • 1.07%Noninterest income to earning assets
  • 5.06%Noninterest expense to earning assets
  • 0.27%Net operating income to assets
  • 0.27%Return on assets (ROA)
  • 0.27%Pretax return on assets
  • 2.70%Return on equity (ROE)
  • 2.70%Retained earnings to average equity (YTD only)
  • 0.52%Net charge-offs to loans
  • 65.59%Credit loss provision to net charge-offs
  • 1.42%Efficiency ratio
  • 88,611Assets per employee
  • 3.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.32%Loss allowance to noncurrent loans
  • 70.19%Noncurrent assets plus other real estate owned to assets
  • 1.27%Noncurrent loans to loans
  • 1.88%Net loans and leases to deposits
  • 75.11%Net loans and leases to core deposits
  • 76.97%Equity capital to assets
  • 10.65%Core capital (leverage) ratio
  • 10.37%Tier 1 risk-based capital ratio
  • 12.92%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $25,966Average earning assets
  • $2,630Average equity
  • $20,306Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01323Town & Country Bank Of Missouri100 North Main Street, La Grange, MO 63448December 23, 1903Full Service Brick and Mortar

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