Town and Country Bank of Quincy in Quincy, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Town and Country Bank of Quincy - Overview

  • General
  • FDIC Certificate #: 10460
    Status: Active
    Federal Reserve ID: 349343
    Bank Holding Company (Regulatory Top Holder): T & C Bancorp, Inc. (RSSDID: 1095816, Location: Quincy, IL)
    Date Established: January 01, 1910
    WWW: http://www.townandcountrybk.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 6690
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending 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: 524 North 30th Street, Quincy, IL 62301
    County: Adams
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Il
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    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: $103.8 mil
    Equity capital: $11.7 mil
    Deposits held in domestic offices: $91.9 mil
    Return on assets (ROA): 2.12% ($2.2 mil)
    Quarterly return on assets: 1.19% ($1.2 mil)
    Return on Equity (ROE): 18.90% ($2.3 mil)
    Quarterly return on equity: 10.36% ($1.2 mil)
    Net income: $2.3 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 2.13% ($2,211.4 mil)
    Quarterly Pretax return on assets: 1.22% ($1,266.6 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
  • 29Total employees (full-time equivalent)
  • $103,822Total assets
  • $9,942Cash and due from depository institutions
  • $996Interest-bearing balances
  • $3,198Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $83,677Net loans & leases
  • $1,001Loan loss allowance
  • $0Trading account assets
  • $1,980Bank premises and fixed assets
  • $1,055Other real estate owned
  • $0Goodwill and other intangibles
  • $103,822Life insurance assets
  • $3,970All other assets
  • $92,105Total liabilities and capital
  • $91,918Total liabilities
  • $72,597Total deposits
  • $91,918Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $187Subordinated debt
  • $11,717All other liabilities
  • $11,717Total equity capital
  • $11,717Total bank equity capital
  • $0Perpetual preferred stock
  • $460Common stock
  • $2,390Surplus
  • $8,867Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $70Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $654Income earned, not collected on loans
  • $0Earning assets
  • $557Long-term assets (5+ years)
  • $87,871Average Assets, year-to-date
  • $1,229Average Assets, quarterly
  • $108,186Volatile liabilities
  • $104,100Insider loans
  • $87,764FHLB advances
  • $104,673Loans and leases held for sale
  • $2,556Unused loan commitments
  • $2,556Tier 1 (core) risk-based capital
  • $11,649Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,754Restructured Loans and leases
  • $2,015Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,525Total interest income
  • $826Total interest expense
  • $4,699Net interest income
  • $211Provision for loan and lease losses
  • $1,286Total noninterest income
  • $7Fiduciary activities
  • $144Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,135Additional noninterest income
  • $3,466Total noninterest expense
  • $1,821Salaries and employee benefits
  • $552Premises and equipment expense
  • $1,093Additional noninterest expense
  • $2,308Pre-tax net operating income
  • $0Securities gains (losses)
  • $12Applicable income taxes
  • $2,296Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,296Net income attributable to bank
  • $0Net charge-offs
  • $2,296Cash dividends
  • $324Sale, conversion, retirement of capital stock, net
  • $2,730Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.04%Yield on earning assets
  • 0.90%Cost of funding earning assets
  • 5.13%Net interest margin
  • 1.41%Noninterest income to earning assets
  • 3.79%Noninterest expense to earning assets
  • 2.12%Net operating income to assets
  • 2.12%Return on assets (ROA)
  • 2.13%Pretax return on assets
  • 18.90%Return on equity (ROE)
  • -3.57%Retained earnings to average equity (YTD only)
  • 0.37%Net charge-offs to loans
  • 65.12%Credit loss provision to net charge-offs
  • 7.77%Efficiency ratio
  • 57,911Assets per employee
  • 3.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 118.90%Loss allowance to loans
  • 1.18%Loss allowance to noncurrent loans
  • 153.06%Noncurrent assets plus other real estate owned to assets
  • 1.65%Noncurrent loans to loans
  • 0.77%Net loans and leases to deposits
  • 91.03%Net loans and leases to core deposits
  • 99.68%Equity capital to assets
  • 11.29%Core capital (leverage) ratio
  • 11.13%Tier 1 risk-based capital ratio
  • 13.27%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $108,186Average earning assets
  • $12,147Average equity
  • $91,518Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $11,555Managed Assets
  • 1Number of Accounts
  • $11,310Personal trust and agency accounts
  • $11,310Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 27Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $245Other retirement accounts
  • $245Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06690Town And Country Bank Of Quincy524 North 30th Street, Quincy, IL 62301January 01, 1910Full Service Brick and Mortar
    3441837Town & Country Bank Of Quincy Branch3700 Broadway, Quincy, IL 62301May 24, 2004Full Service Retail
    4445637Hy-Vee Branch1300 Harrison, Quincy, IL 62301November 01, 2005Full Service Retail

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