Town & Country Bank (NV)

8620 W. Tropicana Avenue
Las Vegas, NV 89147
(800) 823-3856
www.tcbanknv.com

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Town & Country Bank (NV) is headquartered in Las Vegas and is the 14^st largest bank in the state of Nevada. It is also the 3,706^th largest bank in the nation. It was established in 2002 and as of March of 2012, it had grown to 28 employees at 5 locations. Town & Country Bank (NV) has a 3-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Town & Country Bank (NV) Checking Account Rates

	Apy	Min	Max	Product
	0.20%	$2,500k	-	Checking with Interest Account

Town & Country Bank (NV) Savings Account Rates

	Apy	Min	Max	Product
	0.25%	$2,500k	-	Regular Savings Account

Town & Country Bank (NV) Money Market Rates

	Apy	Min	Max	Product
	0.25%	$2,500k	-	Money Market Account

Town & Country Bank (NV) CD Rates

Apy	Min	Max	Product
1.15%	$100k	-	48 Month CD
1.05%	$100k	-	36-47 Month CD
1.00%	$100k	-	24-35 Month CD
0.80%	$100k	-	18-23 Month CD
0.70%	$100k	-	12-17 Month CD
0.35%	$100k	-	6-11 Month CD
0.15%	$100k	-	3-5 Month CD

Town & Country Bank (NV) IRA Rates

Apy	Min	Max	Product
1.15%	$500	-	48 Month IRA
1.10%	$500	-	36 Month IRA
0.90%	$500	-	24 Month IRA
0.70%	$500	-	12 Month IRA

Rates updated: 5/26/2012

Data for Q1 2012

Institution Statistics

Town & Country Bank
FDIC Certificate #	57312
BankRate Report	View
Year Established	2002
Employees	28
Primary Regulator	FDIC
Assets and Liabilities
Assets	$159.86 million
Loans	$99.34 million
Deposits	$132.57 million
Equity Capital	$15.17 million
Loan Loss Allowance	$7.58 million
Unbacked Noncurrent Loans	$10.33 million
Real Estate Owned	$3.18 million
Historic Data - March 2011
Assets	$176.78 million
Equity Capital	$16.70 million
Loan Loss Allowance	$13.67 million
Unbacked Noncurrent Loans	$15.83 million
Real Estate Owned	$5.77 million
Profit Margin - Quarterly
Net Interest Margin	3.47%
Return on Assets	-0.98%
Return on Equity	-10.21%
Interest Income	$1.44 million

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 & Country Bank (NV) had $13.5 million in non-current loans and owned real-estate with $22.75 million in equity and loan loss allowances on hand to cover it. This gives Town & Country Bank (NV) a Texas Ratio of 59.35% 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 (NV) decreased slightly from 71.11% as of March 31, 2011 to 59.35% as of March 31, 2012, resulting in a positive change of 16.53%.This indicates that the balance sheet and financial strength for Town & Country Bank (NV) has improved slightly in recent periods.
Deposit Growth
In the past year, Town & Country Bank (NV) has decreased its total deposits by -$13.42 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 & Country Bank (NV) 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 (NV) has $159.85 million in assets with $22.75 million in equity, resulting in a capitalization level of 14.23%, which is excellent.