Town & Country Bank of Missouri

Town & Country Bank of Missouri is headquartered in La Grange and is the 319^st largest bank in the state of Missouri. It is also the 7,065^th largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 7 employees at 1 location. Town & Country Bank of Missouri has a 4-star health rating.

Data for Q1 2012

Institution Statistics Town & Country Bank of Missouri FDIC Certificate # 1965 BankRate Report View Year Established 1903 Employees 7 Primary Regulator FDIC Assets and Liabilities Assets $25.32 million Loans $16.55 million Deposits $22.49 million Equity Capital $2.78 million Loan Loss Allowance $245,000 Unbacked Noncurrent Loans $360,000 Historic Data - March 2011 Assets $25.04 million Equity Capital $2.69 million Loan Loss Allowance $259,000 Unbacked Noncurrent Loans $197,000 Profit Margin - Quarterly Net Interest Margin 4.41% Return on Assets 1.42% Return on Equity 13.18% Interest Income $256,000

Institution Health Overall Score: 4 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 of Missouri had $360,000 in non-current loans and owned real-estate with $3.02 million in equity and loan loss allowances on hand to cover it. This gives Town & Country Bank of Missouri a Texas Ratio of 11.92% which is above 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 of Missouri increased slightly from 6.68% as of March 31, 2011 to 11.92% as of March 31, 2012, resulting in a negative change of 78.32%. This indicates that the balance sheet and financial strength for Town & Country Bank of Missouri has declined slightly in recent periods. Deposit Growth In the past year, Town & Country Bank of Missouri has increased its total deposits by $233,000, resulting in 1.05% 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 of Missouri has shown is above 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 & Country Bank of Missouri has $25.32 million in assets with $3.02 million in equity, resulting in a capitalization level of 11.93%, which is above average.

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