Institution Statistics
| Town Center Bank | | FDIC Certificate # | 58214 | | BankRate Report | View | | Year Established | 2006 | | Employees | 15 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $114.48 million | | Loans | $73.16 million | | Deposits | $105.17 million | | Equity Capital | $8.87 million | | Loan Loss Allowance | $2.40 million | | Unbacked Noncurrent Loans | $2.30 million | | Real Estate Owned | $3.38 million |
Historic Data - March 2011 | | Assets | $137.79 million | | Equity Capital | $11.09 million | | Loan Loss Allowance | $3.53 million | | Unbacked Noncurrent Loans | $6.30 million | | Real Estate Owned | $4.90 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.39% | | Return on Assets | -0.56% | | Return on Equity | -7.16% | | Interest Income | $1.14 million |
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Institution Health
Overall Score:
3 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 Center Bank (IL) had $5.68 million in non-current loans and owned real-estate with $11.27 million in equity and loan loss allowances on hand to cover it. This gives Town Center Bank (IL) a Texas Ratio of 50.43% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Town Center Bank (IL) decreased slightly from 76.57% as of March 31, 2011 to 50.43% as of March 31, 2012, resulting in a positive change of 34.13%.This indicates that the balance sheet and financial strength for Town Center Bank (IL) has improved slightly in recent periods. | | Deposit Growth | | | In the past year, Town Center Bank (IL) has decreased its total deposits by -$1.44 million, resulting in -1.35% 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 Center Bank (IL) has shown is below average. | | 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 Center Bank (IL) has $114.48 million in assets with $11.27 million in equity, resulting in a capitalization level of 9.84%, which is average. |
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