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Overview / Commentary
850 West North Shore Drive
Hartland, WI 53029

Town Bank is headquartered in Hartland and is the 16st largest bank in the state of Wisconsin. It is also the 733rd largest bank in the nation. It was established in 1998 and as of March of 2014, it had grown to 86 employees at 7 locations. Town Bank has a A+ health rating.

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Town Bank had $4.06 million in non-current loans and owned real-estate with $111.96 million in equity and loan loss allowances on hand to cover it. This gives Town Bank a Texas Ratio of 3.63% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Town Bank decreased slightly from 4.90% as of March 31, 2013 to 3.63% as of March 31, 2014, resulting in a positive change of 26.07%.This indicates that the balance sheet and financial strength for Town Bank has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Town Bank has increased its total deposits by $67.13 million, resulting in 9.19% 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 Bank has shown is excellent.

Capitalization

GRADE:
A+

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 Bank has $921.1 million in assets with $111.96 million in equity, resulting in a capitalization level of 12.16%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #34717
Year Established1998
Employees86
Primary RegulatorFED
Assets and Liabilities
Assets$921.10 million
Loans$731.45 million
Deposits$797.65 million
Equity Capital$106.16 million
Loan Loss Allowance$5.80 million
Unbacked Noncurrent Loans$2.90 million
Real Estate Owned$1.16 million
Historic Data - March 2013
Assets$847.72 million
Equity Capital$99.96 million
Loan Loss Allowance$7.21 million
Unbacked Noncurrent Loans$2.90 million
Real Estate Owned$1.71 million
Profit Margin - Quarterly
Net Interest Margin3.04%
Return on Assets0.62%
Return on Equity5.45%
Interest Income$7.16 million
Rates

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Locations


Town Bank Locations
Madison Branch10 West Mifflin StreetMadison, WI 53703
Milwaukee Branch111 East Kilbourn AvenueMilwaukee, WI 53202
Elm Grove Office Branch12960 W. Bluemound RoadElm Grove, WI 53122
Delafield Branch400 Genesee StreetDelafield, WI 53018
Wales Wi Branch511 North Wales RoadWales, WI 53183
Town Bank850 West North Shore DriveHartland, WI 53029
Menomonee Falls BranchN72 W13435 Jacob LaneMenomonee Falls, WI 53051