2015%20annual%20report 1

PICKING. UP. SPEED.

2015 Summary Annual Report

PICKING. UP. SPEED

MISSIONEmpowering the financial well-being of our communities, one person at a time.

VALUES • We believe money should be a source of empowerment, not a source of anxiety!

• We start with our employees—when they’re happy, our clients are happy!

• We are measured by the success of our clients— when they succeed, we succeed!

• We embrace the opportunity to serve— with integrity!

TABLE OF CONTENTS2015 Summary Annual Report

3. Letter to Shareholders

8. Financial Summary

10. Management’s Discussion and Analysis

14. Board of Directors and Senior Management

TOWN AND COUNTRY FINANCIAL CORPORATION | 2015 SUMMARY ANNUAL REPORT | 2

FELLOW SHAREHOLDERS,In school, we learned that Momentum = Mass x Velocity. At Town and Country, we have momentum.

MOMENTUM2015 was a tremendous year for our company, both financially and strategically. We posted record profits, grew our balance sheet, finished and started some exciting initiatives, and announced the largest acquisition in our company’s history. On February 29, 2016, we completed the acquisition of West Plains Investors, Inc. and Premier Bank of Jacksonville, taking our assets to approximately $700 million and further expanding our markets in central Illinois and into the metro-east market of St. Louis. In addition to entering Madison County with the Edwardsville branch of Premier, we also announced on January 27, 2016, an agreement to acquire a branch in Fairview Heights from Centrue Bank, further positioning our company in metro-east and into St. Clair County. When employees asked what made us most excited about these accomplishments, we said, “They represent tremendous momentum and opportunity for our company.”

Most importantly, we want to again warmly welcome our new customers and employees from Premier Bank of Jacksonville to the Town and Country family. We also want to welcome Paul White and Kent Weber to our senior management team and Bart Solon to our board of directors. We anticipate many more fun years together—building downstate Illinois’ most innovative and exciting banking organization!

THE PHYSICS ARE WORKINGIn addition to our growth in 2015, we posted record profits of $3.9 million. While this number included realized gains on equity securities, it also included several one-time

LETTER TO SHAREHOLDERS We anticipate many more fun years

together—building downstate Illinois’

most innovative and exciting

banking organization!


Micah R. BartlettDavid E. Kirschner

costs associated with our acquisition of Premier and the establishment of a new captive insurance entity—Town and Country Risk Management, Inc.—and other similar costs. Even when excluding those items, our core operating profits were higher than expected and up 23% from 2014. During 2015, we further improved our strong regulatory position and continued to enjoy strong asset and credit quality metrics, as evidenced by our non-performing asset ratio of 0.7% and allowance coverage ratio of 197%. We maintained our common dividend— balancing return to shareholders along with the need to further build our capital to support future growth capacity—and recorded an increase in our book value per share from $15.44 to $15.59. While we posted earnings per share at a record level of $1.37, we also realized a ($0.69) per share reduction in our unrealized gains in equity securities. Our common equity capital grew to $44.3 million and our year-end total risk-based capital ratio was 12.5% for Town and Country Bank.

MASS Size doesn’t matter. Size matters. You can make an argument either way. What really matters is having the critical mass—however you measure it—to be able to effectively compete in today’s evolving, complex, and highly competitive financial services industry. The reason it matters is because we owe it to our customers to be capable of providing them high-quality products and services, innovative technology, convenience, and a growing lending capacity. We are very competitive in those categories, but what truly sets us apart is our people, our culture, and our approach. We have created a family of professionals in our company

—at every level—who truly understand and live our mission every day: “Empowering the financial well-being of our communities, one person at a time.”

During 2015, our total customer relationships grew by $59 million as a result of growth in each of our lines of business. Total assets increased $21 million, loans increased $15 million, serviced loans increased $42 million, deposits increased $5 million, and our trust and investment assets grew $6 million. As I write this letter, our assets have grown to approximately $700 million and we now have over 175 professionals employed in our company, serving thousands of customers at 13 branches located in seven counties.

Whether it is assets, revenue, people, or energy, we will continue to build our mass in order to remain a relevant and valued partner in our customers’ financial lives.

VELOCITY We are extremely pleased to report that each of our core lines of business showed positive trends yet again in 2015.

Retail Banking. We have continued our outreach efforts and customer relationship management practices based on our unique approach to creating mutually beneficial and REaL connections with our customers. Over the last several years, the intention behind our enhanced outreach approach was to establish deeper relationships with our customers, engage them in discovering and realizing their financial goals, and linking them to innovative products and solutions. We believe we thrive as our customers thrive. The results have been impressive. As reported last year, in 2014 we opened 36% more checking accounts than the year before. And we continued that momentum in 2015, adding another 15% in “same-branch” production to our annual volume. After several years of declining consumer lending, in 2015 we expanded our retail focus and increased our new consumer lending production by over 70%, resulting in portfolio growth of 20%. During 2016, we plan to continue this momentum while providing additional emphasis to our micro and small business outreach efforts.


Basic Earnings Per Share$1.60

$1.20

$0.80

$0.40

$0.002011 2012 2013 2014 2015

0.0

0.4

0.8

1.2

1.6

Also during 2015, we completed the closure of two branches as discussed in last year’s annual report, while reinvesting resources in technology, products, people, and our new branch under construction in Quincy. We also announced the acquisition and future remodeling of a building in downtown Decatur, which will become our permanent home there.

Commercial Banking. During the year, we added two additional seasoned commercial banking professionals to our already best-in-class commercial banking organization and added to our expertise in micro and small business lending by becoming both an SBA Express and Preferred Lender. We realized a 22% increase in cash management and other non-interest related revenue, a 13% increase in commercial deposit business, and a 9% increase in commercial loans. In addition, we internally launched some new specialty initiatives that we will publicly announce in the coming months.

Trust and Investment Services. Despite a year of market volatility, we continued to add new clients and added new annualized revenue of approximately 16% in our Trust and Investment Services business. This increase was spread amongst our various products and services—including traditional trust business, investment management, and employee benefits, among other classes. We continued to invest in our infrastructure and completed a system conversion in July that expands our capability to offer a state-of-the-art trust platform to our clients as well as back office services to other community bank trust departments.

Mortgage Banking. We continue to be a downstate leader in mortgage banking. We have the top team of retail mortgage originators in our core markets and offer the broadest product set and technology of any community banks against which we compete. During 2015, our mortgage loan transactions grew in excess of 26% over 2014, our Community Mortgage Partners (“CMP”) program experienced a 22% year-over-year increase in loan purchase volume, and our CMP partners experienced a combined growth of 136% in government loans—an area of competitive advantage for our company. The net result was an increase in our net mortgage banking profitability of nearly 190%. In early 2016, we added an additional staff resource to bring on additional CMP clients, while also assisting our current partners improve the performance of their own mortgage lending programs.

In short: We’re picking up speed!


Checking Accounts Number outstanding and same branch production

2011 2012 2013 2014 2015# Outstanding Checking Accounts Same branch production

0

4000

8000

12000

16000

0

40

80

120

160

0

90000

180000

270000

360000

Commercial Loans Balance outstanding in 000s and % change from prior year-end

$360,000

$270,000

$180,000

$90,000

$02011 2012 2013 2014 2015

+16%+12%

+23% +3%+9%

Trust Revenue$700,000

$525,000

$350,000

$175,000

$02011 2012 2013 2014 2015

0

175000

350000

525000

700000

Mortgage Loans Serviced Balances in 000’s

$500,000

$450,000

$400,000

$350,000

$300,0002011 2012 2013 2014 2015

300000

350000

400000

450000

500000

+5%

+7%+3%

+3%

+10%

A FORMULA FOR VALUE We continue to focus on our four major strategic themes established over a year ago: customer intimacy, diversification, expansion, and scale. Over the last year, we have made significant progress in each area.

Customer Intimacy. As stated earlier, our customer relationship management practices and internal culture are what truly set us apart. The reason: They are authentic! While many other banks try to put a fancy marketing slogan around what is otherwise sales-based product pushing, we relentlessly reinforce our values and approach in all corners of our company. The results mentioned above, along with the comments from our customers and employees, are the positive reinforcement we need to know our unique approach to banking works.

Diversification. In this rapidly changing industry, continued diversification of our products, lines of business, and revenue sources is a key ingredient to thriving and improving our franchise value. During 2015, we continued to make investments in existing and new non-traditional business lines. As a result, our non-interest revenue mix improved from 31% in 2014 to 35% in 2015, a level that is enviable for most community banks.

Expansion. Markets can be defined by geographies, products, niches, and in many other ways. While we continue to build our core markets, we also expand into new ones. The acquisition of Premier represents the largest expansion in our history. In addition to solidifying our position in central Illinois, it allowed us to enter into the larger metro- east market of St. Louis. We have been active in this market through our Community Mortgage Partners program and are now excited to begin competing directly.

Scale. It wasn’t always the case, but community banks must gain scale in order to afford the technology, product innovation, and staff specialists necessary to compete today. Our organic and acquisitive growth will not only improve our efficiency ratio and allow us to leverage past investments in people and technology, but it will also afford us the resources to increase the speed of our advancement.

HONORING OUR PATH The path and principles of our current success were laid many years ago. And this year, we lost a very important part of that history. Robert Evans passed away in November at the age of 80. Mr. Evans served on our board of directors from 1978 to 2009, having been an early supporter and investor in Town and Country. He was a successful, practical, insightful, and fun businessman and a constant champion of Town and Country for many years. We miss him and want to thank and honor him for his significant contributions to this company and his community.

OUR PEOPLE ARE THE “X” FACTOR There’s no better way to put it: We have the best team of banking professionals in downstate Illinois. We have a group of positive, passionate, and forward-thinking individuals that believe in our mission, believe in our customers, and believe in our company and each other. They have worked extremely hard this past year and have accomplished great things. We are inspired by them daily and appreciate their efforts and loyalty all year long. They are the “X” Factor in our formula for momentum!

And, finally, we want to again express our appreciation for our shareholders—old and new—for being such a constant source of enthusiasm and support for the growth and momentum in this organization.

Sincerely,

Micah R. Bartlett David E. Kirschner President & CEO Executive Chairman


HERE WE GROW AGAINWe expanded in 2015 and are now located in seven counties, serving 29 counties.

Community President Paul White

County Population34,929

Community President Paul White


Community President Kent Weber


Community President Larry Anderson


President and CEO Micah Bartlett


TOWN AND COUNTRY FINANCIAL CORPORATION | 2015 SUMMARY ANNUAL REPORT | 7Source: http://www.census.gov/quickfacts (Population estimates, July 1, 2014).

MORGAN

GREENE

MADISON

LOGAN

SANGAMON

MACON

Community President Brian Ash


ADAMS

Community President Kellie Kurre


0

100000

200000

300000

400000

FINANCIAL SUMMARYin thousands except per share and ratio data

Total Assets$550,000

$487,500

$425,000

$362,500

$300,0002011 2012 2013 2014 2015

5000

10000

15000

20000

25000

Revenue Components$25,000

$20,000

$15,000

$10,000

$5,0002011 2012 2013 2014 2015

Net Interest Income Mortgage Banking Trust

Service Charges Other

Nonperforming Loans to Total Loans$4,000

$3,000

$2,000

$1,000

$02011 2012 2013 2014 2015

3.00%

2.25%

1.50%

0.75%

0.00%

Nonperforming Loans NPLs / Loans


300000

362500

425000

487500

550000

Total Stockholders’ Equity$45,000

$40,000

$35,000

$30,000

$25,0002011 2012 2013 2014 2015

25000

30000

35000

40000

45000

Net Income% change from prior year

$4,000

$3,500

$3,000

$2,500

$2,0002011 2012 2013 2014 2015

2000

2500

3000

3500

4000

+30%

+10%+2% -2%

+30%

Total Loans Excluding Held for Sale% change from prior year-end

$400,000

$300,000

$200,000

$100,000

$02011 2012 2013 2014 2015

+10%

+13%

+23% +1% +7%

0

1000

2000

3000

4000

0

25

50

75

100

SUMMARY OF CONSOLIDATED FINANCIAL HIGHLIGHTSin thousands except per share, shares outstanding, and ratio data

As of or for the year ended December 31,

2015 2014 2013 2012 2011

Selected income statement items

Other non-interest income $3,666 $3,295 $3,344 $2,913 $2,618Income from mortgage banking activities

4,464 3,371 4,451 5,975 2,875

Net interest income 15,437 14,929 14,071 13,299 12,641

Total net revenue 23,567 21,595 21,866 22,187 18,135

Provision for credit losses 1,030 215 566 700 -

Noninterest expense 17,551 17,254 17,221 17,161 14,251Income before income tax expense and nonrecurring items

4,986 4,126 4,080 4,326 3,884

Income tax expense 1,542 1,330 1,384 1,462 1,265Net income before nonrecurring items

3,444 2,796 2,696 2,864 2,619

Net income from nonrecurring items

459 215 383 144 117

Net income 3,903 3,011 3,079 3,008 2,736

Preferred stock dividend 50 50 50 102 78Net income available to common stockholders $3,853 $2,961 $3,029 $2,906 $2,657

Detail nonrecurring (after tax):

Gain on sale of securities $795 $215 $383 $83 $117

Other nonrecurring $(336) $- $- $61 $-

Per common share

Basic earnings per share $1.37 $1.06 $1.08 $1.04 $0.95

Cash dividends declared per share $0.12 $0.12 $0.12 $0.12 $0.12

Book value per share $15.59 $15.44 $14.21 $13.18 $11.90

Weighted-average common shares outstanding (net of treasury shares)

2,819,097 2,792,704 2,792,704 2,792,704 2,792,704

As of or for the year ended December 31,

2015 2014 2013 2012 2011

Selected ratios

Return on common equity 8.66% 7.15% 7.92% 8.36% 8.23%

Return on assets 0.77% 0.60% 0.61% 0.66% 0.72%Common equity tier 1 as of 12/31/15 (TCB only)

11.4% NA NA NA NA

Tier 1 leverage ratio as of 12/31/15 (TCB only)

11.4% 11.6% 11.4% 12.6% 14.4%

Total risk-based capital ratio as of 12/31/15 (TCB only)

12.5% 13.1% 12.8% 14.2% 15.9%

Selected balance sheet data (period-end)

Total assets $520,344 $498,968 $508,018 $456,298 $380,277

Securities 106,827 107,832 113,623 121,162 95,196Net loans including loans available for sale

364,761 350,980 344,481 280,560 248,398

Mortgage loans sold with servicing retained

447,649 405,811 394,137 383,212 357,172

Deposits 402,702 397,516 411,615 383,037 313,548

Total stockholders’ equity 44,347 43,118 39,678 36,795 33,240

Credit quality

Allowance for loan loss $4,278 $3,504 $3,508 $3,194 $2,899

Nonperforming loans (NA + 90 DPD) $2,166 $608 $1,228 $2,320 $1,558

OREO $380 $522 $1,440 $567 $971Allowance for loan loss to total loans, excluding loans held for sale

1.18% 1.03% 1.04% 1.16% 1.19%

Coverage (allowance for loan loss to nonperforming loans)

197% 577% 286% 138% 186%

Net charge-offs $257 $219 $252 $405 $19Net charge-off rate (to average loans)

0.07% 0.07% 0.08% 0.16% 0.01%


MANAGEMENT’S DISCUSSION AND ANALYSIS

OVERVIEWTown and Country Financial Corporation (“Company”) is a financial holding company conducting operations through its bank subsidiary, Town and Country Bank, and the Bank’s mortgage subsidiary, Town & Country Banc Mortgage Services, Inc. The Company offers loan, investment, trust, deposit, and cash management services to businesses, organizations, and families through electronic delivery and at its nine bank branches as of December 31, 2015, located in the Central Illinois communities of Buffalo, Decatur, Lincoln, Mt. Zion, Quincy, and Springfield. Approximately 145 individuals were engaged in providing these services.

On September 30, 2015, the Company announced its agreement to acquire West Plains Investors, Inc. and its wholly-owned subsidiary, Premier Bank of Jacksonville, with bank branches located in Edwardsville, Jacksonville, Waverly, and White Hall, Illinois. The acquisition was completed on February 29, 2016, adding assets of approximately $186 million and 30 employees to Town and Country Bank.

The Company formed Town and Country Risk Management, Inc. on December 23, 2015, a direct (captive) property and casualty insurance company.

On January 27, 2016, the Company announced its agreement to acquire the Fairview Heights, Illinois branch of Centrue Bank. The purchase is expected to be completed by the end of the second quarter, pending regulatory approval. Town and Country Bank will acquire approximately $13.0 million in deposits and $7.9 million in loans, in addition to the bank branch building.


INCOME STATEMENT Town and Country Financial Corporation reported 2015 full-year net income of $3.9 million on net revenue of $23.6 million compared with $3.0 million and net revenue of $21.6 million in 2014. Preferred dividends of $50 thousand in 2015 and 2014, which was a 1% dividend rate, were paid to the U.S. Treasury based on our September 2011 participation in their Small Business Lending Fund program. As a result, net income available to common stockholders was $1.37 per share compared to $1.06 in 2014. The return on common equity was 8.7%, up from 7.2% in the prior year.

YEAR ENDED DECEMBER 31, 2015

$ in thousands

Selected income statement

2015 2014 Change 2013

Total net revenue $23,567 $21,595 9.1% $21,866

Total noninterest expense 17,551 17,254 1.7% 17,221

Pre-tax, pre-provision income

6,016 4,341 38.6% 4,646

Provision for credit losses (PT)

1,030 215 379.1% 566

Security gains (loss) (AT) 795 215 263.5% 383

Other nonrecurring (AT) (336) – NA –

Net income 3,903 $3,011 29.6% $3,079

Net income available to common stockholders

$3,853 $2,961 30.1% $3,029

Return on common equity 8.7% 7.2% 20.3% 7.9%

Basic earnings per share $1.37 $1.06 28.9% $1.08

Book equity $44,347 $43,118 2.9% $39,678

Past due and nonperforming loans

1.7% 0.5% 233.0% 0.8%


Net interest income was $15.4 million in 2015, up 3% compared to $14.9 million in 2014. Full year average commercial loans outstanding were up 6%, partially offset by a 6% reduction in 1-4 family residential loans and a 4% reduction in investments. Interest expense declined by 4% from 2014 to 2015, driven by growth in non-interest bearing deposits and declines in time deposits. As a result of these changes, the fully tax equivalent net interest margin improved to 3.39% in 2015 from 3.30% in 2014.

Total non-interest income increased by $2.4 million, or 34%, to $9.4 million, driven by nonrecurring gains from the sale of equity securities that were $948 thousand higher in 2015 compared to 2014. Fee income, excluding the equity security gains, increased by 22%, driven by a 32% increase in mortgage banking fees from growth in the Community Mortgage Partner program. All other non-interest income was up 11%, driven by expanded bank-owned life insurance assets, trust fees, deposit service, and loan charges.

The provision for loan losses was $1.0 million in 2015 based upon strong commercial loan growth and specific reserves established on two different commercial real estate credits. Net charge offs totaled $257 thousand, or 0.07% of average loans. The 2014 provision was $215 thousand based on 2% loan growth and $219 thousand in net charge offs.

Non-interest expense was $18.1 million, up $850 thousand, or 5%, from its 2014 level. Driving the increase were various one-time costs associated with the creation of the Company’s captive insurance entity and the WPI/Premier acquisition that totaled $553 thousand. The remaining increase of $297 thousand was due to higher costs from expanded mortgage banking activities, additions to customer-facing staff positions, and continued investment in technology platforms, particularly those that focus on fraud prevention and data protection.

Excluding nonrecurring items mentioned above, the Company reported normal operating after-tax income of $3.4 million in 2015, $648 thousand, or 23%, higher than net income reported in 2014.

BALANCE SHEETTotal assets were $520 million at December 31, 2015, an increase of $21 million, or 4%, from assets at December 31, 2014. The investment portfolio was down $1 million while commercial loans were up $23 million, or 9%, at this year-end compared to last. Off-balance sheet mortgage loans sold with servicing retained were $448 million at year-end, up $42 million, or 10%, compared to the balance at December 31, 2014.

Total deposits were $403 million on December 31, 2015, and $5 million, or 1%, above the year-ago. The Bank closed a single branch on November 1, 2014, and two branches on January 31, 2015, with minimal deposit and customer losses to report. Increases in non-maturity deposits of $10 million, or 4%, partially offset by a $5 million reduction in time deposits, and additional advances from the FHLB funded the asset growth Moreover, as part of its overall funding and risk management strategy, the Company entered into additional interest rate swap agreements in order to manage its interest rate risk. The notional amount of such agreements totaled $49 million at December 31, 2015, up from $15 million at the end of 2014.

Asset quality was strong in 2015 with nonperforming loans, defined as loans 90+ days past due and nonaccrual loans, equal to 1.18% of total loans compared to 1.03% at the prior year-end. The allowance for loan loss increased to $4.3 million, and was 197% of nonperforming loans. Nonperforming assets (nonperforming loans plus other real estate) were $2.5 million compared to $1.1 million at December 31, 2014.

The Company maintained its investment in pooled trust preferred securities, which securities generally represent the preferred securities of small and mid-sized bank holding companies. The assets were valued at $6.7 million at December 31, 2015, with an amortized cost of $8.9 million.

Common equity capital was $44 million with a book value per share of $15.59 compared to $43 million and $15.44 at December 31, 2014. On July 1, 2015, the Company reissued 52,500 shares of treasury stock as part of a restricted stock plan, reducing the book value per share by $0.29. Another factor that affected the Company’s book value was a $0.79 reduction in the market value of the investment portfolio, both debt and equity, and due in part to the sale of certain equity securities. Town and Country Financial Corporation is considered a small bank holding company and therefore Basel III capital standards do not apply. Town and Country Bank’s capital levels under the Basel III transitional standardized approach are strong, with common equity tier 1 capital of $46 million, or 11.4%, and total risk-based capital of $51 million, or 12.5% of total risk-based assets. The Tier 1 leverage and total risk-based capital ratios were 11.6% and 13.1%, respectively, at December 31, 2014.

On March 8, 2016, the Company redeemed 100% of shares of its preferred stock issued in September 2011 to the U.S. Treasury in exchange for its participation in their SBLF program. As a result, total equity capital declined by $5 million.

The statements contained herein may include statements of future expectations and other forward-looking statements that are based on management’s current views and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. In addition to statements which are forward-looking by reason of context, the words “may”, “will”, “should”, “expects”, “plans”, “intends”, “anticipates”, “believes”, “estimates”, “predicts”, “potential”, or “continue” and similar expressions identify forward-looking statements.


THE FORMULA TO OUR SUCCESS IS OUR PEOPLEWe want to take a moment to honor and thank the many banking professionals that work for our company.


MOMENTUM = MASS X VELOCITY

Matthew, Lawrence, Kim, D i a n a , Brian, Nancy, James, Penny, Jason, Micah, Daniel, J e f f r e y , Kristopher, Paula, Joy, Kim, Mark, Barbara, Steve, Scott, J a m i e , Ryan, Barb, B r i d g e t , R e b e c c a , Stacy, Robert, Ryan, Lance, Katie, Kristina, John, Timothy, Anthony,Cynthia, Stephanie, Barbara, Sarah,Gregory, Emily, Charles, Christopher, Deanna, Joleen, Paul,C h a r l e s , Ta m m y , Gregory,D a v i d ,B r e n d a

Paul, Joyce, Barb, Matthew, Robert, Jaime, Dana, Kylee, Brad, Heather, William, Candice, Ann, Melissa, Jen, Brenda,Patricia, Andrea, John, Athena, Kari,

Jenna, Becky, Jessica, Abby, Kent, Grant, Hannah, Jessica, Amanda, Kellie, � omas, Tina, John, Valarie, Steven, Michael, Regina, Karylle, Adrienne

Michelle, Gina, Carissa, Corie, Brock, Lora, Michael, Rick, Jana, Sharon, Mary Susan, Harold, Jean, Danielle, Amy, Timothy, J o r d a n , H e a t h e r, Stephanie,K e n n a , Jeff , Anne, J e s s i c a , Thomas , Mary, Liz, P h y l l i s , Christine, Wendy, Lisa, S h i r l e y , D a v i d , S t a c e y , Ann, Alli, B r i d g e t , Barbara, Rebecca , Breeanna, S h a u n , Susan, Cory, Darcy, Julie, Sara, Jo, Virginia, V i c k i e , Laurie, Terri, M a r s h a ,B r o o k e , K e l l y , W e n d y

A n d r e w , Jeff , Robyn, Tracy, James, Gayle, Amy, Teresa, Alexa, Miranda, Courtney, Josephine, Sheri, Tara, Patrick, S h a r o n , Jo e l l e n , Tara, Amy, B re n d a , Meredith, M e g a n , Debra, Ed, S a r a h , Gwen, Ann, Sandra, Matthew, Tonya, Denise, Nicholas, Steve, Lacey

Heather, Timothy, Jennifer,

Alberta

BOARD OF DIRECTORS

(Left to right) John S. Cobb, Attorney, Samuels, Miller, Schroeder, Jackson & Sly L.L.P.; John E. Staudt, Vice Chairman, Director of Commercial Banking and Credit, Town and Country Financial Corporation; Donald H. Evans, Owner, Evans Construction Company; David E. Kirschner, Executive Chairman, Town and Country Financial Corporation; Micah R. Bartlett, President & CEO, Town and Country Financial Corporation; Mark O. Roberts, Jr., President & Chairman of the Board, Standard Mutual Insurance Company; Louis H. Dixon, Engineer & Senior Vice President, Crawford, Murphy & Tilly, Inc.; Dewey R. Yaeger, Retired; and Bart J. Solon, Farmer & Consultant, Solon Farms, LLC.



SENIOR MANAGEMENT

(Left to right) Brian K. Ash, Executive Vice President, Community Bank President (Logan County); Bob Cotner, Senior Vice President, Director of Operations and Information Technology; David E. Kirschner, Executive Chairman, Town and Country Financial Corporation; Micah R. Bartlett, President & CEO, Town and Country Financial Corporation; Dana M. Dow, Chairman, President & CEO, Town & Country Banc Mortgage Services, Inc.; Paul D. White, Executive Vice President, Community Bank President (Morgan & Greene Counties); and Nancy J. Bahre, Executive Vice President & CFO, Town and Country Financial Corporation., Executive Vice President & CFO, Town and Country Financial Corporation.


SENIOR MANAGEMENT

(Left to right) Thomas M. Gallagher, Senior Vice President, Trust & Investment Services; Kent M. Weber, Executive Vice President, Community Bank President (Madison County); Larry D. Anderson, Executive Vice President, Community Bank President (Macon County); Bridget C. Castle, Vice President, Director of Internal Audit & Compliance; John E. Staudt, Vice Chairman, Director of Commercial Banking and Credit, Town and Country Financial Corporation; Kellie R. Kurre, Executive Vice President, Community Bank President (Adams County); and Jason Barth, Executive Vice President, Director of Human Resources, Marketing and Retail.

Kellie R. Kurre, Executive Vice President, Community Bank President (Adams County); , Executive Vice President, Community Bank President (Adams County); , Executive Vice President, Director of Human Resources, Marketing and Retail., Executive Vice President, Director of Human Resources, Marketing and Retail.


“One way to keep momentum going is to constantly have greater goals.”– Micah R. Bartlett

“While a good leader sustains momentum, a great leader increases it.”– Tom Johnson

“End results never start out easy, don’t stop now!”– Terri Napierski

“Success is connected to action. Successful people keep moving. They make mistakes, but they don’t quit.”– Kylee Durbin

“To GROW, you must turn a negative into a positive. To SUCCEED, you must be challenged.”– Josie Pucci

“We keep moving forward, opening new doors, and doing new things because we’re curious and curiosity keeps leadings us down new paths.”

– Jamie Bushnell

“Momentum equals growth. I am so grateful to be a part of a bank that is forward thinking. There is risk in being stagnant; it’s easier, but not better for our customers.”– Bridget Castle

“If you aren’t afraid of the speed, then you aren’t going fast enough.”– Stephanie Hughes

“Sempre Avanti” translation “Ever forward and always ahead.”– Stephanie Verardi


CORPORATE INFORMATIONTown and Country Financial Corporation is the parent holding company for Town and Country Bank with offices in Buffalo, Decatur, Edwardsville, Jacksonville, Lincoln, Mt. Zion, Quincy, Springfield, Waverly, and White Hall, and Town & Country Banc Mortgage Services, Inc.

STOCK TRADINGTown and Country Financial Corporation shares are traded under the symbol TWCF.

AUDITED FINANCIAL INFORMATIONTo review our 2015 audited financial information, please visit our website www.townandcountrybank.com. Click on “About Us” and then “Our Structure”.

TRANSFER AGENTTown and Country Financial Corporation acts as its own Transfer Agent. Contact us by calling 866.770.3100 with questions on registrations or stock transfer instructions. Mail requests to our Corporate Office at the following address:

Town and Country Financial Corporation3601 Wabash AvenueSpringfield, IL 62711www.townandcountrybank.com

866.770.3100www.townandcountrybank.com

2015%20annual%20report 1

Documents