Annual Report 2018 - Page 37

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, 2018. Additional Regulatory Capital Disclosure Regulatory Capital Ratios Pursuant to FCA Regulation 620.5 As of December 31 Permanent capital ratio Total surplus ratio Core surplus ratio 2013 2012 16.2% 15.8% 15.8% 17.1% 16.6% 16.6% Refer to the Consolidated Five-Year Summary of Selected Financial Data at the beginning of this Annual Report 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 this Annual Report. 34