Institution Statistics
| Tri-County Bank & Trust Company | | FDIC Certificate # | 210 | | BankRate Report | View | | Year Established | 1892 | | Employees | 41 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $174.98 million | | Loans | $67.50 million | | Deposits | $151.79 million | | Equity Capital | $21.82 million | | Loan Loss Allowance | $1.08 million | | Unbacked Noncurrent Loans | $436,000 | | Real Estate Owned | $411,000 |
Historic Data - March 2011 | | Assets | $161.42 million | | Equity Capital | $20.23 million | | Loan Loss Allowance | $1.05 million | | Unbacked Noncurrent Loans | $1.53 million | | Real Estate Owned | $333,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.01% | | Return on Assets | 0.77% | | Return on Equity | 6.06% | | Interest Income | $1.43 million |
|
|
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 Tri-County Bank & Trust Company had $847,000 in non-current loans and owned real-estate with $22.9 million in equity and loan loss allowances on hand to cover it. This gives Tri-County Bank & Trust Company a Texas Ratio of 3.70% 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 Tri-County Bank & Trust Company decreased significantly from 8.74% as of March 31, 2011 to 3.70% as of March 31, 2012, resulting in a positive change of 57.67%.This indicates that the balance sheet and financial strength for Tri-County Bank & Trust Company has improved significantly in recent periods. | | Deposit Growth | | | In the past year, Tri-County Bank & Trust Company has increased its total deposits by $11.01 million, resulting in 7.82% 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 Tri-County Bank & Trust Company has shown is excellent. | | 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. Tri-County Bank & Trust Company has $174.98 million in assets with $22.9 million in equity, resulting in a capitalization level of 13.09%, which is excellent. |
|
