Institution Statistics
| Town & Country Bank and Trust Company | | FDIC Certificate # | 15703 | | BankRate Report | View | | Year Established | 1907 | | Employees | 115 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $358.80 million | | Loans | $227.46 million | | Deposits | $301.85 million | | Equity Capital | $25.02 million | | Loan Loss Allowance | $12.26 million | | Unbacked Noncurrent Loans | $20.38 million | | Real Estate Owned | $7.50 million |
Historic Data - March 2011 | | Assets | $434.21 million | | Equity Capital | $38.74 million | | Loan Loss Allowance | $10.70 million | | Unbacked Noncurrent Loans | $24.27 million | | Real Estate Owned | $5.49 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.46% | | Return on Assets | -0.76% | | Return on Equity | -10.93% | | Interest Income | $3.52 million |
|
|
Institution Health
Overall Score:
2 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 & Country Bank and Trust Company had $27.87 million in non-current loans and owned real-estate with $37.28 million in equity and loan loss allowances on hand to cover it. This gives Town & Country Bank and Trust Company a Texas Ratio of 74.77% 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 & Country Bank and Trust Company increased slightly from 60.19% as of March 31, 2011 to 74.77% as of March 31, 2012, resulting in a negative change of 24.22%. This indicates that the balance sheet and financial strength for Town & Country Bank and Trust Company has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, Town & Country Bank and Trust Company has decreased its total deposits by -$54.25 million, resulting in -15.23% 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 & Country Bank and Trust Company has shown is poor. | | 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 & Country Bank and Trust Company has $358.8 million in assets with $37.28 million in equity, resulting in a capitalization level of 10.39%, which is above average. |
|
