FDIC Certificate #: 35261 Status: Active Federal Reserve ID: 2905761 Bank Holding Company (Regulatory Top Holder): Twin City Bancorp, Inc. (RSSDID: 3289477, Location: Longview, WA) Date Established: April 17, 2000 WWW:http://www.twincitybank.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 #: 77225 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: April 17, 2000 Last Structure Change Effective Date: March 07, 2011 Last Structure Change Process Date: March 07, 2011 Last Data Update: March 07, 2011 Data Source Date: April 05, 2012
Location
Address: 729 Vandercook Way, Longview, WA 98632 County: Cowlitz Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: San Francisco FDIC Field Office: Portland Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): Longview, WA (#31020) CBSA Metro Statistical Area: Longview, WA (#31020)
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $42.2 mil Equity capital: $4.2 mil Deposits held in domestic offices: $37.5 mil Return on assets (ROA): -0.30% (-$0.1 mil) Quarterly return on assets: -0.50% (-$0.2 mil) Return on Equity (ROE): -3.04% (-$0.1 mil) Quarterly return on equity: -5.00% (-$0.2 mil) Net income: -$0.1 mil Quarterly Net income: -$0.1 mil Pretax return on assets: -0.47% (-$198.5 mil) Quarterly Pretax return on assets: -1.07% (-$451.9 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
13Total employees (full-time equivalent)
$42,235Total assets
$1,309Cash and due from depository institutions
$10Interest-bearing balances
$4,004Securities
$740Federal funds sold & reverse repurchase agreements
$33,193Net loans & leases
$559Loan loss allowance
$0Trading account assets
$132Bank premises and fixed assets
$1,187Other real estate owned
$0Goodwill and other intangibles
$42,235Life insurance assets
$1,670All other assets
$38,019Total liabilities and capital
$37,531Total liabilities
$31,090Total deposits
$37,531Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$488Subordinated debt
$4,216All other liabilities
$4,216Total equity capital
$4,216Total bank equity capital
$0Perpetual preferred stock
$2,000Common stock
$2,350Surplus
$-134Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$423Income earned, not collected on loans
$261Earning assets
$146Long-term assets (5+ years)
$37,947Average Assets, year-to-date
$9,628Average Assets, quarterly
$42,915Volatile liabilities
$42,274Insider loans
$33,459FHLB advances
$41,995Loans and leases held for sale
$1,116Unused loan commitments
$1,116Tier 1 (core) risk-based capital
$3,972Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,578Restructured Loans and leases
$861Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,398Total interest income
$487Total interest expense
$1,911Net interest income
$332Provision for loan and lease losses
$288Total noninterest income
$0Fiduciary activities
$98Service charges on deposit accounts
$0Trading account gains & fees
$190Additional noninterest income
$2,069Total noninterest expense
$915Salaries and employee benefits
$219Premises and equipment expense
$935Additional noninterest expense
-$202Pre-tax net operating income
$0Securities gains (losses)
-$73Applicable income taxes
-$129Income before extraordinary items
$0Extraordinary gains - net
-$129Net income attributable to bank
$0Net charge-offs
-$129Cash dividends
$299Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.12%Yield on earning assets
1.24%Cost of funding earning assets
4.88%Net interest margin
0.73%Noninterest income to earning assets
5.28%Noninterest expense to earning assets
-0.30%Net operating income to assets
-0.30%Return on assets (ROA)
-0.47%Pretax return on assets
-3.04%Return on equity (ROE)
-3.04%Retained earnings to average equity (YTD only)
0.88%Net charge-offs to loans
111.04%Credit loss provision to net charge-offs
0.43%Efficiency ratio
94,088Assets per employee
3.25%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.66%Loss allowance to noncurrent loans
132.15%Noncurrent assets plus other real estate owned to assets
3.81%Noncurrent loans to loans
1.25%Net loans and leases to deposits
88.44%Net loans and leases to core deposits
104.41%Equity capital to assets
9.98%Core capital (leverage) ratio
9.46%Tier 1 risk-based capital ratio
11.87%Total risk-based capital ratio
Memoranda
$13Average assets
$42,915Average earning assets
$4,244Average equity
$39,184Average loans
List of branches
1 Washington Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
77225
Twin City Bank
729 Vandercook Way, Longview, WA 98632
April 17, 2000
Full Service Brick and Mortar
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