Town-Country National Bank

Town-Country National Bank is headquartered in Camden and is the 100^th largest bank in the state of Alabama. It is also the 5,111^st largest bank in the nation. It was established in 1978 and as of March of 2012, it had grown to 32 employees at 1 location. Town-Country National Bank's money market rates are 14% higher than the national average, and it boasts a 5-star health rating.

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Town-Country National Bank Money Market Rates

Town-Country National Bank CD Rates

Data for Q1 2012

Institution Statistics Town-Country National Bank FDIC Certificate # 22621 BankRate Report View Year Established 1978 Employees 32 Primary Regulator OCC Assets and Liabilities Assets $93.89 million Loans $53.96 million Deposits $80.43 million Equity Capital $12.70 million Loan Loss Allowance $2.20 million Unbacked Noncurrent Loans $768,000 Real Estate Owned $58,000 Historic Data - March 2011 Assets $93.78 million Equity Capital $11.66 million Loan Loss Allowance $1.76 million Unbacked Noncurrent Loans $777,000 Real Estate Owned $10,000 Profit Margin - Quarterly Net Interest Margin 4.85% Return on Assets 1.83% Return on Equity 13.67% Interest Income $1.23 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 National Bank had $826,000 in non-current loans and owned real-estate with $14.9 million in equity and loan loss allowances on hand to cover it. This gives Town-Country National Bank a Texas Ratio of 5.55% 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 National Bank held steady from 5.86% as of March 31, 2011 to 5.55% as of March 31, 2012, resulting in a positive change of 5.43%.This indicates that the balance sheet and financial strength for Town-Country National Bank has held steady in recent periods. Deposit Growth In the past year, Town-Country National Bank has decreased its total deposits by $-940,000, resulting in -1.16% 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 National Bank has shown is below 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 National Bank has $93.89 million in assets with $14.9 million in equity, resulting in a capitalization level of 15.87%, which is excellent.

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