Town and Country Bank (TX)

Town and Country Bank (TX) is headquartered in Stephenville and is the 247^th largest bank in the state of Texas. It is also the 3,067^th largest bank in the nation. It was established in 1978 and as of March of 2012, it had grown to 58 employees at 7 locations. Town and Country Bank (TX) has a 5-star health rating.

Data for Q1 2012

Institution Statistics Town and Country Bank FDIC Certificate # 22617 BankRate Report View Year Established 1978 Employees 58 Primary Regulator FDIC Assets and Liabilities Assets $203.91 million Loans $74.61 million Deposits $182.04 million Equity Capital $21.30 million Loan Loss Allowance $1.47 million Real Estate Owned $175,000 Historic Data - March 2011 Assets $183.78 million Equity Capital $17.43 million Loan Loss Allowance $1.21 million Unbacked Noncurrent Loans $175,000 Profit Margin - Quarterly Net Interest Margin 3.42% Return on Assets 1.42% Return on Equity 13.4% Interest Income $1.71 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Town and Country Bank (TX) had $175,000 in non-current loans and owned real-estate with $22.76 million in equity and loan loss allowances on hand to cover it. This gives Town and Country Bank (TX) a Texas Ratio of 0.77% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Town and Country Bank (TX) decreased slightly from 0.94% as of March 31, 2011 to 0.77% as of March 31, 2012, resulting in a positive change of 18.11%.This indicates that the balance sheet and financial strength for Town and Country Bank (TX) has improved slightly in recent periods. Deposit Growth In the past year, Town and Country Bank (TX) has increased its total deposits by $16.34 million, resulting in 9.86% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Town and Country Bank (TX) has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Town and Country Bank (TX) has $203.91 million in assets with $22.76 million in equity, resulting in a capitalization level of 11.16%, which is above average.

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