Town and Country Bank in Stephenville, Texas (TX)
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| Town and Country Bank | |
|---|---|
| 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 WWW: http://www.tcbank.com 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) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 59 |
| Total assets | $195,486 |
| Cash and due from depository institutions | $23,753 |
| Interest-bearing balances | $20,012 |
| Securities | $88,087 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $74,444 |
| Loan loss allowance | $1,418 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $6,034 |
| Other real estate owned | $175 |
| Goodwill and other intangibles | $16 |
| All other assets | $2,977 |
| Life insurance assets | $195,486 |
| Total liabilities and capital | $174,397 |
| Total liabilities | $173,555 |
| Total deposits | $103,453 |
| Interest-bearing deposits | $173,555 |
| Deposits held in domestic offices | $98 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $842 |
| All other liabilities | $21,089 |
| Total equity capital | $21,089 |
| Total bank equity capital | $21,089 |
| Perpetual preferred stock | $0 |
| Common stock | $400 |
| Surplus | $5,600 |
| Undivided profits | $15,089 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $973 |
| Income earned, not collected on loans | $0 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $1,037 |
| Average Assets, year-to-date | $182,543 |
| Average Assets, quarterly | $75,101 |
| Volatile liabilities | $189,126 |
| Insider loans | $195,179 |
| FHLB advances | $87,860 |
| Loans and leases held for sale | $193,897 |
| Unused loan commitments | $1,252 |
| Tier 1 (core) risk-based capital | $1,252 |
| Tier 2 risk-based capital | $18,441 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $5,825 |
| Derivatives | $1,715 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $6,917 |
| Total interest expense | $621 |
| Net interest income | $6,296 |
| Provision for loan and lease losses | $290 |
| Total noninterest income | $2,587 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $1,353 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $1,234 |
| Total noninterest expense | $6,122 |
| Salaries and employee benefits | $3,407 |
| Premises and equipment expense | $830 |
| Additional noninterest expense | $1,885 |
| Pre-tax net operating income | $2,471 |
| Securities gains (losses) | $89 |
| Applicable income taxes | $0 |
| Income before extraordinary items | $2,560 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $2,560 |
| Net charge-offs | $0 |
| Cash dividends | $2,560 |
| Sale, conversion, retirement of capital stock, net | $95 |
| Net operating income | $815 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 3.92% |
| Cost of funding earning assets | 0.35% |
| Net interest margin | 3.57% |
| Noninterest income to earning assets | 1.47% |
| Noninterest expense to earning assets | 3.47% |
| Net operating income to assets | 1.31% |
| Return on assets (ROA) | 1.35% |
| Pretax return on assets | 1.35% |
| Return on equity (ROE) | 13.51% |
| Retained earnings to average equity (YTD only) | 9.21% |
| Net charge-offs to loans | 0.12% |
| Credit loss provision to net charge-offs | 305.26% |
| Efficiency ratio | 29.06% |
| Assets per employee | $68,367 |
| Cash dividends to net income (YTD only) | 3.31% |
| Condition Ratios (%) | |
| Loss allowance to loans | 31.84% |
| Loss allowance to noncurrent loans | 1.87% |
| Noncurrent assets plus other real estate owned to assets | 0.00% |
| Noncurrent loans to loans | 0.09% |
| Net loans and leases to deposits | 0.00% |
| Net loans and leases to core deposits | 42.89% |
| Equity capital to assets | 43.90% |
| Core capital (leverage) ratio | 10.79% |
| Tier 1 risk-based capital ratio | 9.51% |
| Total risk-based capital ratio | 20.99% |
| Memoranda | |
| Average assets | $22 |
| Average earning assets | $189,126 |
| Average equity | $18,943 |
| Average loans | $176,499 |
| 7 Texas Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 15778 | Town And Country Bank | 150 Harbin Drive, Stephenville, TX 76401 | March 01, 1978 | Full Service Brick and Mortar |  |
| 1 | 255004 | Stephenville Branch | 200 West Lingleville Highway, Stephenville, TX 76401 | January 11, 1996 | Full Service Brick and Mortar |  |
| 2 | 255005 | Mobile Branch | 150 Harbin Drive, Stephenville, TX 76401 | April 01, 1996 | Limited Service Messenger | |
| 3 | 255006 | Glen Rose Branch | 405 Southwest Big Bend Trail, Glen Rose, TX 76043 | April 01, 1996 | Full Service Brick and Mortar | |
| 5 | 432616 | Granbury Branch | 4530 East Highway 377, Granbury, TX 76049 | October 20, 2004 | Full Service Brick and Mortar | |
| 6 | 465248 | Town And County Bank Branch | 28517 U.S. Highway 377 North, Bluff Dale, TX 76433 | August 02, 2006 | Full Service Brick and Mortar | |
| 7 | 469419 | Aledo Branch | 200 North Fm 1187, Aledo, TX 76008 | October 15, 2007 | Full Service Brick and Mortar | |
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