Town & Country Bank

423 Grand Avenue
Ravenna, NE 68869
www.towncountrybank.net

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Town & Country Bank is headquartered in Ravenna and is the 70^th largest bank in the state of Nebraska. It is also the 4,064^th largest bank in the nation. It was established in 1932 and as of March of 2012, it had grown to 25 employees at 4 locations. Town & Country Bank has a 5-star health rating.

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

Town & Country Bank Checking Account Rates

Apy	Min	Max	Product
0.20%	$25	-	Super NOW Checking Account
0.15%	$25	-	NOW Account Checking
0.15%	$25	-	55+ Club Account

Town & Country Bank Savings Account Rates

Apy	Min	Max	Product
0.55%	$25	-	Health Saving Account
0.20%	$25	-	Regular Saving Account

Town & Country Bank Money Market Rates

	Apy	Min	Max	Product
	0.65%	$100k	-	Money Market Saving Account

Town & Country Bank CD Rates

Apy	Min	Max	Product
1.96%	$50k	-	5 Year CD
1.66%	$50k	-	4 Year CD
1.31%	$50k	-	3 Year CD
1.21%	$2,500	-	30 Month CD Special w/Checking
1.05%	$2,500	-	30 Month CD Special
1.00%	$50k	-	2 Year CD
0.80%	$2,500	-	15 Month CD Special w/Checking
0.70%	$50k	-	1 Year CD
0.65%	$2,500	-	15 Month CD Special
0.55%	$5k	-	Flex CD
0.50%	$50k	-	6 Month CD
0.40%	$50k	-	3 Month CD
0.20%	$50k	-	1 Month CD

Town & Country Bank IRA Rates

	Apy	Min	Max	Product
	1.21%	-	-	Variable Rate IRA

Rates updated: 5/26/2012

Data for Q1 2012

Institution Statistics

Town & Country Bank
FDIC Certificate #	1434
BankRate Report	View
Year Established	1932
Employees	25
Primary Regulator	FED
Assets and Liabilities
Assets	$138.81 million
Loans	$79.43 million
Deposits	$111.17 million
Equity Capital	$13.67 million
Loan Loss Allowance	$1.03 million
Unbacked Noncurrent Loans	$118,000
Real Estate Owned	$69,000
Historic Data - March 2011
Assets	$121.97 million
Equity Capital	$12.47 million
Loan Loss Allowance	$972,000
Unbacked Noncurrent Loans	$48,000
Profit Margin - Quarterly
Net Interest Margin	3.73%
Return on Assets	1.46%
Return on Equity	14.5%
Interest Income	$1.43 million

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 had $187,000 in non-current loans and owned real-estate with $14.7 million in equity and loan loss allowances on hand to cover it. This gives Town & Country Bank a Texas Ratio of 1.27% which is excellent. 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 held steady from 0.36% as of March 31, 2011 to 1.27% as of March 31, 2012, resulting in a negative change of 256.14%. This indicates that the balance sheet and financial strength for Town & Country Bank has held steady in recent periods.
Deposit Growth
In the past year, Town & Country Bank has increased its total deposits by $11.6 million, resulting in 11.65% 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 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 has $138.81 million in assets with $14.7 million in equity, resulting in a capitalization level of 10.59%, which is above average.

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