DISCLOSURE INFORMATION REQUIRED BY REGULATIONS
FCS Financial, ACA
(Unaudited)
Description of Business
General information regarding the business is incorporated herein by reference from Note 1 to the Consolidated Financial Statements in this Annual Report.
The description of significant business developments, if any, is incorporated herein by reference from the Management's Discussion and Analysis section of
this Annual Report.
Description of Property
Property Information
Location Description Usage
Jefferson City
Cameron
Chillicothe
Columbia
Farmington
Hannibal
Harrisonville
Higginsville
Jefferson City
Joplin
Lebanon
Macon
Marshall
Maryville
Mexico
Nevada
O'Fallon
St. Joseph
Sedalia
Springfield
Union
West Plains Owned
Owned
Owned
Owned
Leased
Owned
Owned
Owned
Owned
Owned
Leased
Owned
Owned
Owned
Owned
Owned
Owned
Owned
Owned
Owned
Leased
Leased Headquarters
Branch
Branch
Branch
Branch
Branch
Branch
Branch
Branch
Branch
Branch
Branch
Branch
Branch
Branch
Branch
Branch
Branch
Branch
Branch
Branch
Branch
Legal Proceedings
Information regarding legal proceedings is discussed in Note 11 to the Consolidated Financial Statements in this Annual Report. We were not subject to any
enforcement actions as of December 31, 2017.
Additional Regulatory Capital Disclosure
Pursuant to FCA Regulation 620.5, the permanent capital ratio, total surplus ratio, and core surplus ratios were 17.1%, 16.6%, and 16.6% as of December
31, 2012, respectively. Refer to the Consolidated Five Year Summary of Selected Financial Data for capital ratio calculations for the past five years.
Description of Capital Structure
Information regarding our capital structure is discussed in Note 7 to the Consolidated Financial Statements in this Annual Report.
Description of Liabilities
Information regarding liabilities is discussed in Notes 6, 7, 8, 9, and 11 to the Consolidated Financial Statements in this Annual Report. All debt and other
liabilities in the financial statements are uninsured.
Selected Financial Data
The Consolidated Five-Year Summary of Selected Financial Data is presented at the beginning of the Consolidated Financial Statements in this Annual
Report.
Management’s Discussion and Analysis
Information regarding any material aspects of our financial condition, changes in financial condition, and results of operations are discussed in the
Management's Discussion and Analysis section of this Annual Report.
37