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Town & Country Bank, Performance and Condition Ratios
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2149% | 6,029 |
| Cost of funding earning assets | 2.3925% | 1,992 |
| Net interest margin | 2.8225% | 6,972 |
| Noninterest income to average assets | 0.2755% | 6,295 |
| Noninterest expense to average assets | 2.8496% | 4,742 |
| Loan and lease loss provision to assets | 0.2161% | 4,880 |
| Net operating income to assets | -0.0790% | 5,973 |
| Return on assets (ROA) | -0.0945% | 6,049 |
| Pretax return on assets | -0.1729% | 6,087 |
| Return on Equity (ROE) | -1.2512% | 6,113 |
| Retained earnings to average equity (ytd only) | -1.2512% | 5,554 |
| Net charge-offs to loans | 1.3018% | 1,417 |
| Credit loss provision to net charge-offs | 33.8983% | 5,978 |
| Earnings coverage of net charge-offs (x) | 0.1059% | 5,567 |
| Efficiency ratio | 97.6852% | 1,281 |
| Assets per employee ($millions) | 3.7902% | 4,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6986% | 2,361 |
| Loan loss allowance to noncurrent loans | 70.2479% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 1.2081% | 4,519 |
| Noncurrent loans to loans | 2.4181% | 2,995 |
| Net loans and leases to total assets | 47.8143% | 7,050 |
| Net loans and leases to deposits | 57.0394% | 7,090 |
| Net loans and leases to core deposits | 71.7653% | 6,912 |
| Total domestic deposits to total assets | 83.8268% | 3,860 |
| Equity capital to assets | 7.7068% | 7,067 |
| Core capital (leverage) ratio | 7.0745% | 7,483 |
| Tier 1 risk-based capital ratio | 12.7672% | 4,307 |
| Total risk-based capital ratio | 14.0200% | 4,220 |
| Memoranda: | ||
| Average total assets | $74,046,000 | 5,977 |
| Average earning assets | $69,301,000 | 5,910 |
| Average equity | $5,594,670 | 6,864 |
| Average total loans | $36,256,330 | 6,390 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3295% | 5,757 |
| Cost of funding earning assets | 2.4894% | 1,959 |
| Net interest margin | 2.8401% | 6,899 |
| Noninterest income to average assets | 0.3144% | 5,930 |
| Noninterest expense to average assets | 2.7764% | 4,670 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2078% | 5,636 |
| Return on assets (ROA) | 0.1012% | 6,143 |
| Pretax return on assets | 0.0639% | 6,246 |
| Return on Equity (ROE) | 1.3530% | 6,022 |
| Retained earnings to average equity (ytd only) | 1.3530% | 5,091 |
| Net charge-offs to loans | 0.7052% | 1,776 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.4923% | 4,592 |
| Efficiency ratio | 94.2134% | 1,419 |
| Assets per employee ($millions) | 4.6955% | 2,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9101% | 1,602 |
| Loan loss allowance to noncurrent loans | 65.3956% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 1.4509% | 3,758 |
| Noncurrent loans to loans | 2.9208% | 2,238 |
| Net loans and leases to total assets | 46.8920% | 7,115 |
| Net loans and leases to deposits | 55.9617% | 7,163 |
| Net loans and leases to core deposits | 69.3703% | 7,058 |
| Total domestic deposits to total assets | 83.7930% | 3,807 |
| Equity capital to assets | 7.4460% | 7,399 |
| Core capital (leverage) ratio | 7.0855% | 7,573 |
| Tier 1 risk-based capital ratio | 12.7052% | 4,390 |
| Total risk-based capital ratio | 13.9610% | 4,301 |
| Memoranda: | ||
| Average total assets | $75,062,000 | 5,971 |
| Average earning assets | $69,575,500 | 5,925 |
| Average equity | $5,617,000 | 6,910 |
| Average total loans | $36,870,500 | 6,387 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7845% | 6,489 |
| Cost of funding earning assets | 3.1624% | 1,307 |
| Net interest margin | 2.6221% | 7,618 |
| Noninterest income to average assets | 0.3751% | 5,694 |
| Noninterest expense to average assets | 2.9396% | 4,306 |
| Loan and lease loss provision to assets | 0.0750% | 6,465 |
| Net operating income to assets | -0.1108% | 6,509 |
| Return on assets (ROA) | -0.4262% | 6,727 |
| Pretax return on assets | -0.6002% | 6,735 |
| Return on Equity (ROE) | -5.1466% | 6,881 |
| Retained earnings to average equity (ytd only) | -5.1466% | 6,533 |
| Net charge-offs to loans | 0.3521% | 3,069 |
| Credit loss provision to net charge-offs | 35.7143% | 6,484 |
| Earnings coverage of net charge-offs (x) | -0.3857% | 6,452 |
| Efficiency ratio | 100.8399% | 948 |
| Assets per employee ($millions) | 4.4115% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9854% | 1,250 |
| Loan loss allowance to noncurrent loans | 67.2337% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 1.5441% | 3,133 |
| Noncurrent loans to loans | 2.9530% | 1,818 |
| Net loans and leases to total assets | 49.4360% | 7,078 |
| Net loans and leases to deposits | 58.7476% | 7,160 |
| Net loans and leases to core deposits | 74.5241% | 6,935 |
| Total domestic deposits to total assets | 84.1498% | 3,244 |
| Equity capital to assets | 7.5204% | 7,364 |
| Core capital (leverage) ratio | 6.9506% | 7,730 |
| Tier 1 risk-based capital ratio | 12.4478% | 4,477 |
| Total risk-based capital ratio | 13.7061% | 4,367 |
| Memoranda: | ||
| Average total assets | $66,642,200 | 6,138 |
| Average earning assets | $63,117,200 | 6,048 |
| Average equity | $5,518,200 | 6,972 |
| Average total loans | $39,761,400 | 6,167 |