Institution Statistics
| The Tri-County Bank | | FDIC Certificate # | 16339 | | BankRate Report | View | | Year Established | 1945 | | Employees | 28 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $79.08 million | | Loans | $41.46 million | | Deposits | $71.36 million | | Equity Capital | $6.46 million | | Loan Loss Allowance | $708,000 | | Unbacked Noncurrent Loans | $429,000 |
Historic Data - March 2011 | | Assets | $75.96 million | | Equity Capital | $6.03 million | | Loan Loss Allowance | $711,000 | | Unbacked Noncurrent Loans | $726,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.86% | | Return on Assets | 0.6% | | Return on Equity | 7.4% | | Interest Income | $849,000 |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 The Tri-County Bank had $429,000 in non-current loans and owned real-estate with $7.17 million in equity and loan loss allowances on hand to cover it. This gives The Tri-County Bank a Texas Ratio of 5.98% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for The Tri-County Bank decreased significantly from 10.77% as of March 31, 2011 to 5.98% as of March 31, 2012, resulting in a positive change of 44.44%.This indicates that the balance sheet and financial strength for The Tri-County Bank has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, The Tri-County Bank has increased its total deposits by $2.76 million, resulting in 4.02% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Tri-County Bank has shown is above average. | | Capitalization |  | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Tri-County Bank has $79.08 million in assets with $7.17 million in equity, resulting in a capitalization level of 9.07%, which is average. |
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