Town & Country Bank in Las Vegas, Nevada (NV)

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Town & Country Bank
GeneralFDIC Certificate #: 57312
Status: Active
Federal Reserve ID: 3067929
Bank Holding Company (Regulatory Top Holder): West Point Bancorp, Inc. (RSSDID: 1057113, Location: West Point, NE)
Date Established: April 15, 2002
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Domestic: 5, Interstate: No)
FDIC's unique #: 361252
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: April 15, 2002
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 8620 W. Tropicana Avenue, Las Vegas, NV 89147
County: Clark
Quarterly Banking Profile Region: San Francisco
FDIC Geographic Region: San Francisco
FDIC Supervisory Region: Kansas City
FDIC Field Office: Phoenix
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Las Vegas, NV-AZ (#4120)
Combined Statistical Area (CSA): Las Vegas-Paradise-Pahrump, NV (#332)
Core Based Statistical Area (CBSA): Las Vegas-Paradise, NV (#29820)
CBSA Metro Statistical Area: Las Vegas-Paradise, NV (#29820)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $160.6 mil
Equity capital: $15.5 mil
Deposits held in domestic offices: $133.0 mil
Return on assets (ROA): -2.04% (-$3.3 mil)
Quarterly return on assets: 0.67% ($1.1 mil)
Return on Equity (ROE): -22.85% (-$3.7 mil)
Quarterly return on equity: 7.55% ($1.2 mil)
Net income: -$3.6 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: -2.04% (-$3,276.5 mil)
Quarterly Pretax return on assets: 0.67% ($1,076.1 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)27
Total assets$160,612
Cash and due from depository institutions$11,927
Interest-bearing balances$9,295
Federal funds sold & reverse repurchase agreements$8,645
Net loans & leases$102,200
Loan loss allowance $6,966
Trading account assets$0
Bank premises and fixed assets$8,371
Other real estate owned$3,094
Goodwill and other intangibles$0
All other assets$5,166
Life insurance assets$160,612
Total liabilities and capital$145,081
Total liabilities$133,022
Total deposits$110,846
Interest-bearing deposits$133,022
Deposits held in domestic offices$85
% insured (estimated)4794.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$7,000
Other borrowed funds $0
Subordinated debt $265
All other liabilities $15,531
Total equity capital$15,531
Total bank equity capital$15,531
Perpetual preferred stock$0
Common stock$2,000
Undivided profits $-13,985
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $9,446
Earning assets $0
Long-term assets (5+ years) $533
Average Assets, year-to-date $141,349
Average Assets, quarterly $6,469
Volatile liabilities $176,738
Insider loans $162,735
FHLB advances $122,392
Loans and leases held for sale $161,998
Unused loan commitments $2,248
Tier 1 (core) risk-based capital $2,248
Tier 2 risk-based capital $15,074
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $14,855
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,083
Total interest expense $1,244
Net interest income $5,839
Provision for loan and lease losses $2,154
Total noninterest income -$1,836
Fiduciary activities $0
Service charges on deposit accounts $104
Trading account gains & fees $0
Additional noninterest income -$1,940
Total noninterest expense $5,473
Salaries and employee benefits $2,614
Premises and equipment expense $944
Additional noninterest expense $1,915
Pre-tax net operating income -$3,624
Securities gains (losses) $16
Applicable income taxes $0
Income before extraordinary items -$3,608
Extraordinary gains - net $0
Net income attributable to bank -$3,608
Net charge-offs $0
Cash dividends -$3,608
Sale, conversion, retirement of capital stock, net $8,854
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.56%
Cost of funding earning assets 0.80%
Net interest margin 3.76%
Noninterest income to earning assets -1.18%
Noninterest expense to earning assets 3.52%
Net operating income to assets -2.05%
Return on assets (ROA) -2.04%
Pretax return on assets -2.04%
Return on equity (ROE) -22.85%
Retained earnings to average equity (YTD only) -22.85%
Net charge-offs to loans 6.81%
Credit loss provision to net charge-offs 24.33%
Efficiency ratio-0.17%
Assets per employee$136,722
Cash dividends to net income (YTD only)5.95%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 6.38%
Noncurrent assets plus other real estate owned to assets 73.75%
Noncurrent loans to loans 7.81%
Net loans and leases to deposits8.65%
Net loans and leases to core deposits 76.83%
Equity capital to assets 85.75%
Core capital (leverage) ratio 9.67%
Tier 1 risk-based capital ratio 9.31%
Total risk-based capital ratio 12.32%
Average assets$14
Average earning assets$176,738
Average equity $15,788
Average loans $155,300
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5 Nevada Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0361252Town & Country Bank8620 W. Tropicana Avenue, Las Vegas, NV 89147April 15, 2002Full Service Brick and Mortar
1439690West Charleston Boulevard Branch10200 West Charleston Boulevard, Las Vegas, NV 89135March 28, 2005Full Service Brick and Mortar
2440705Courier Service8626 West Tropicana Avenue, Las Vegas, NV 89147May 24, 2005Limited Service Messenger
3447356South Rainbow Branch6355 South Rainbow Boulevard, Las Vegas, NV 89118Febuary 03, 2006Full Service Brick and Mortar
4486590Southern Highlands Parkway Branch11441 Southern Highlands Parkway, Las Vegas, NV 89141Febuary 03, 2009Full Service Brick and Mortar
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