Town and Country Bank in Watertown, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


Town and Country Bank - Overview

  • General
  • FDIC Certificate #: 12319
    Status: Active
    Federal Reserve ID: 725844
    Bank Holding Company (Regulatory Top Holder): Partnership Community Bancshares, Inc. (RSSDID: 3552724, Location: Menomonee Falls, WI)
    Date Established: January 10, 1913
    WWW: http://www.tandcbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 7833
    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: January 01, 1934
    Last Structure Change Effective Date: November 02, 2009
    Last Structure Change Process Date: November 02, 2009
    Last Data Update: November 02, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 104 West Main Street, Watertown, WI 53094
    County: Jefferson
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Milwaukee
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Watertown-Fort Atkinson, WI (#48020)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $49.5 mil
    Equity capital: $5.2 mil
    Deposits held in domestic offices: $44.1 mil
    Return on assets (ROA): -1.28% (-$0.6 mil)
    Quarterly return on assets: -3.35% (-$1.7 mil)
    Return on Equity (ROE): -12.84% (-$0.6 mil)
    Quarterly return on equity: -32.50% (-$1.6 mil)
    Net income: -$0.6 mil
    Quarterly Net income: -$0.4 mil
    Pretax return on assets: -2.10% (-$1,039.9 mil)
    Quarterly Pretax return on assets: -5.50% (-$2,723.5 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
  • 12Total employees (full-time equivalent)
  • $49,519Total assets
  • $2,549Cash and due from depository institutions
  • $17Interest-bearing balances
  • $5,582Securities
  • $2,237Federal funds sold & reverse repurchase agreements
  • $35,956Net loans & leases
  • $1,450Loan loss allowance
  • $0Trading account assets
  • $971Bank premises and fixed assets
  • $379Other real estate owned
  • $156Goodwill and other intangibles
  • $49,519Life insurance assets
  • $1,689All other assets
  • $44,320Total liabilities and capital
  • $44,134Total liabilities
  • $38,527Total deposits
  • $44,134Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $186Subordinated debt
  • $5,199All other liabilities
  • $5,199Total equity capital
  • $5,199Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $6,240Surplus
  • $-1,091Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $669Income earned, not collected on loans
  • $0Earning assets
  • $102Long-term assets (5+ years)
  • $43,792Average Assets, year-to-date
  • $4,024Average Assets, quarterly
  • $48,103Volatile liabilities
  • $48,669Insider loans
  • $32,866FHLB advances
  • $46,780Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,075Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,470Restructured Loans and leases
  • $1,773Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,235Total interest income
  • $614Total interest expense
  • $1,621Net interest income
  • $950Provision for loan and lease losses
  • $280Total noninterest income
  • $0Fiduciary activities
  • $127Service charges on deposit accounts
  • $0Trading account gains & fees
  • $153Additional noninterest income
  • $1,959Total noninterest expense
  • $772Salaries and employee benefits
  • $199Premises and equipment expense
  • $988Additional noninterest expense
  • -$1,008Pre-tax net operating income
  • $0Securities gains (losses)
  • -$394Applicable income taxes
  • -$614Income before extraordinary items
  • $0Extraordinary gains - net
  • -$614Net income attributable to bank
  • $0Net charge-offs
  • -$614Cash dividends
  • $395Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.21%Yield on earning assets
  • 1.43%Cost of funding earning assets
  • 3.78%Net interest margin
  • 0.65%Noninterest income to earning assets
  • 4.56%Noninterest expense to earning assets
  • -1.28%Net operating income to assets
  • -1.28%Return on assets (ROA)
  • -2.10%Pretax return on assets
  • -12.84%Return on equity (ROE)
  • -12.84%Retained earnings to average equity (YTD only)
  • 1.09%Net charge-offs to loans
  • 240.51%Credit loss provision to net charge-offs
  • -0.15%Efficiency ratio
  • 103,051Assets per employee
  • 4.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.88%Loss allowance to noncurrent loans
  • 216.74%Noncurrent assets plus other real estate owned to assets
  • 2.12%Noncurrent loans to loans
  • 1.79%Net loans and leases to deposits
  • 81.47%Net loans and leases to core deposits
  • 96.11%Equity capital to assets
  • 10.50%Core capital (leverage) ratio
  • 8.71%Tier 1 risk-based capital ratio
  • 12.40%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $48,103Average earning assets
  • $4,780Average equity
  • $42,937Average loans

List of branches

  • 2 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07833Town And Country Bank104 West Main Street, Watertown, WI 53094January 10, 1913Full Service Brick and Mortar
    1226836Lebanon BranchN1826 Cty Rd R, Lebanon, WI 53047January 05, 1998Full Service Brick and Mortar

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