Institution Statistics
| Town & Country Bank | | FDIC Certificate # | 58522 | | BankRate Report | View | | Year Established | 2008 | | Employees | 17 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $71.42 million | | Loans | $53.45 million | | Deposits | $62.79 million | | Equity Capital | $8.48 million | | Loan Loss Allowance | $828,000 | | Unbacked Noncurrent Loans | $1.74 million | | Real Estate Owned | $422,000 |
Historic Data - March 2011 | | Assets | $62.56 million | | Equity Capital | $7.99 million | | Loan Loss Allowance | $984,000 | | Unbacked Noncurrent Loans | $3.05 million | | Real Estate Owned | $496,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.86% | | Return on Assets | 0.95% | | Return on Equity | 7.96% | | Interest Income | $923,000 |
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Institution Health
Overall Score:
5 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 (UT) had $2.16 million in non-current loans and owned real-estate with $9.31 million in equity and loan loss allowances on hand to cover it. This gives Town & Country Bank (UT) a Texas Ratio of 23.17% which is 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 (UT) decreased significantly from 39.48% as of March 31, 2011 to 23.17% as of March 31, 2012, resulting in a positive change of 41.31%.This indicates that the balance sheet and financial strength for Town & Country Bank (UT) has improved significantly in recent periods. | | Deposit Growth | | | In the past year, Town & Country Bank (UT) has increased its total deposits by $8.3 million, resulting in 15.24% 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 (UT) has shown is excellent. | | 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 (UT) has $71.42 million in assets with $9.31 million in equity, resulting in a capitalization level of 13.03%, which is excellent. |
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