Town and Country Bank in Stephenville, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Town and Country Bank - Overview

  • General
  • FDIC Certificate #: 22617
    Status: Active
    Federal Reserve ID: 349165
    Bank Holding Company (Regulatory Top Holder): Town And Country Bancshares, Inc. (RSSDID: 1106310, Location: Stephenville, TX)
    Date Established: March 01, 1978
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 13358
    FDIC's unique #: 15778
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: March 01, 1978
    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: 150 Harbin Drive, Stephenville, TX 76401
    County: Erath
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Stephenville, TX (#44500)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $195.5 mil
    Equity capital: $21.1 mil
    Deposits held in domestic offices: $173.6 mil
    Return on assets (ROA): 1.35% ($2.6 mil)
    Quarterly return on assets: 1.39% ($2.7 mil)
    Return on Equity (ROE): 13.51% ($2.8 mil)
    Quarterly return on equity: 13.04% ($2.7 mil)
    Net income: $2.6 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.35% ($2,639.1 mil)
    Quarterly Pretax return on assets: 1.39% ($2,717.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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
  • 59Total employees (full-time equivalent)
  • $195,486Total assets
  • $23,753Cash and due from depository institutions
  • $20,012Interest-bearing balances
  • $88,087Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $74,444Net loans & leases
  • $1,418Loan loss allowance
  • $0Trading account assets
  • $6,034Bank premises and fixed assets
  • $175Other real estate owned
  • $16Goodwill and other intangibles
  • $195,486Life insurance assets
  • $2,977All other assets
  • $174,397Total liabilities and capital
  • $173,555Total liabilities
  • $103,453Total deposits
  • $173,555Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $842Subordinated debt
  • $21,089All other liabilities
  • $21,089Total equity capital
  • $21,089Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $5,600Surplus
  • $15,089Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $973Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $1,037Long-term assets (5+ years)
  • $182,543Average Assets, year-to-date
  • $75,101Average Assets, quarterly
  • $189,126Volatile liabilities
  • $195,179Insider loans
  • $87,860FHLB advances
  • $193,897Loans and leases held for sale
  • $1,252Unused loan commitments
  • $1,252Tier 1 (core) risk-based capital
  • $18,441Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,825Restructured Loans and leases
  • $1,715Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,917Total interest income
  • $621Total interest expense
  • $6,296Net interest income
  • $290Provision for loan and lease losses
  • $2,587Total noninterest income
  • $0Fiduciary activities
  • $1,353Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,234Additional noninterest income
  • $6,122Total noninterest expense
  • $3,407Salaries and employee benefits
  • $830Premises and equipment expense
  • $1,885Additional noninterest expense
  • $2,471Pre-tax net operating income
  • $89Securities gains (losses)
  • $0Applicable income taxes
  • $2,560Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,560Net income attributable to bank
  • $0Net charge-offs
  • $2,560Cash dividends
  • $95Sale, conversion, retirement of capital stock, net
  • $815Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.92%Yield on earning assets
  • 0.35%Cost of funding earning assets
  • 3.57%Net interest margin
  • 1.47%Noninterest income to earning assets
  • 3.47%Noninterest expense to earning assets
  • 1.31%Net operating income to assets
  • 1.35%Return on assets (ROA)
  • 1.35%Pretax return on assets
  • 13.51%Return on equity (ROE)
  • 9.21%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 305.26%Credit loss provision to net charge-offs
  • 29.06%Efficiency ratio
  • 68,367Assets per employee
  • 3.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 31.84%Loss allowance to loans
  • 1.87%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.09%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 42.89%Net loans and leases to core deposits
  • 43.90%Equity capital to assets
  • 10.79%Core capital (leverage) ratio
  • 9.51%Tier 1 risk-based capital ratio
  • 20.99%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $189,126Average earning assets
  • $18,943Average equity
  • $176,499Average loans

List of branches

  • 7 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015778Town And Country Bank150 Harbin Drive, Stephenville, TX 76401March 01, 1978Full Service Brick and Mortar
    1255004Stephenville Branch200 West Lingleville Highway, Stephenville, TX 76401January 11, 1996Full Service Brick and Mortar
    2255005Mobile Branch150 Harbin Drive, Stephenville, TX 76401April 01, 1996Limited Service Messenger
    3255006Glen Rose Branch405 Southwest Big Bend Trail, Glen Rose, TX 76043April 01, 1996Full Service Brick and Mortar
    5432616Granbury Branch4530 East Highway 377, Granbury, TX 76049October 20, 2004Full Service Brick and Mortar
    6465248Town And County Bank Branch28517 U.S. Highway 377 North, Bluff Dale, TX 76433August 02, 2006Full Service Brick and Mortar
    7469419Aledo Branch200 North Fm 1187, Aledo, TX 76008October 15, 2007Full Service Brick and Mortar

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