Town & Country Bank in Las Vegas, Nevada (NV)
Overview, Financial Summary, Detailed Financial Reports, Branches

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

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 27Total employees (full-time equivalent)
  • $160,612Total assets
  • $11,927Cash and due from depository institutions
  • $9,295Interest-bearing balances
  • $21,209Securities
  • $8,645Federal funds sold & reverse repurchase agreements
  • $102,200Net loans & leases
  • $6,966Loan loss allowance
  • $0Trading account assets
  • $8,371Bank premises and fixed assets
  • $3,094Other real estate owned
  • $0Goodwill and other intangibles
  • $160,612Life insurance assets
  • $5,166All other assets
  • $145,081Total liabilities and capital
  • $133,022Total liabilities
  • $110,846Total deposits
  • $133,022Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 4794.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,000Trading liabilities
  • $0Other borrowed funds
  • $265Subordinated debt
  • $15,531All other liabilities
  • $15,531Total equity capital
  • $15,531Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $27,516Surplus
  • $-13,985Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9,446Income earned, not collected on loans
  • $0Earning assets
  • $533Long-term assets (5+ years)
  • $141,349Average Assets, year-to-date
  • $6,469Average Assets, quarterly
  • $176,738Volatile liabilities
  • $162,735Insider loans
  • $122,392FHLB advances
  • $161,998Loans and leases held for sale
  • $2,248Unused loan commitments
  • $2,248Tier 1 (core) risk-based capital
  • $15,074Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,855Restructured Loans and leases
  • $11Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,083Total interest income
  • $1,244Total interest expense
  • $5,839Net interest income
  • $2,154Provision for loan and lease losses
  • -$1,836Total noninterest income
  • $0Fiduciary activities
  • $104Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$1,940Additional noninterest income
  • $5,473Total noninterest expense
  • $2,614Salaries and employee benefits
  • $944Premises and equipment expense
  • $1,915Additional noninterest expense
  • -$3,624Pre-tax net operating income
  • $16Securities gains (losses)
  • $0Applicable income taxes
  • -$3,608Income before extraordinary items
  • $0Extraordinary gains - net
  • -$3,608Net income attributable to bank
  • $0Net charge-offs
  • -$3,608Cash dividends
  • $8,854Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.56%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 3.76%Net interest margin
  • -1.18%Noninterest income to earning assets
  • 3.52%Noninterest expense to earning assets
  • -2.05%Net operating income to assets
  • -2.04%Return on assets (ROA)
  • -2.04%Pretax return on assets
  • -22.85%Return on equity (ROE)
  • -22.85%Retained earnings to average equity (YTD only)
  • 6.81%Net charge-offs to loans
  • 24.33%Credit loss provision to net charge-offs
  • -0.17%Efficiency ratio
  • 136,722Assets per employee
  • 5.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 6.38%Loss allowance to noncurrent loans
  • 73.75%Noncurrent assets plus other real estate owned to assets
  • 7.81%Noncurrent loans to loans
  • 8.65%Net loans and leases to deposits
  • 76.83%Net loans and leases to core deposits
  • 85.75%Equity capital to assets
  • 9.67%Core capital (leverage) ratio
  • 9.31%Tier 1 risk-based capital ratio
  • 12.32%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $176,738Average earning assets
  • $15,788Average equity
  • $155,300Average loans

List of branches

  • 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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