Tri-County Bank

Tri-County Bank is headquartered in Brown City and is the 59^th largest bank in the state of Michigan. It is also the 2,906^th largest bank in the nation. It was established in 1889 and as of March of 2012, it had grown to 67 employees at 9 locations. Tri-County Bank has a 4-star health rating.

Tri-County Bank Routing Number: 072404977

Data for Q1 2012

Institution Statistics Tri-County Bank FDIC Certificate # 977 BankRate Report View Year Established 1889 Employees 67 Primary Regulator FED Assets and Liabilities Assets $219.19 million Loans $123.30 million Deposits $196.03 million Equity Capital $20.13 million Loan Loss Allowance $1.75 million Unbacked Noncurrent Loans $1.26 million Real Estate Owned $2.25 million Historic Data - March 2011 Assets $205.66 million Equity Capital $19.03 million Loan Loss Allowance $1.85 million Unbacked Noncurrent Loans $176,000 Real Estate Owned $3.54 million Profit Margin - Quarterly Net Interest Margin 3.82% Return on Assets 0.7% Return on Equity 7.4% Interest Income $2.28 million

Institution Health Overall Score: 4 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 had $3.51 million in non-current loans and owned real-estate with $21.88 million in equity and loan loss allowances on hand to cover it. This gives Tri-County Bank a Texas Ratio of 16.05% which is average. 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 held steady from 17.79% as of March 31, 2011 to 16.05% as of March 31, 2012, resulting in a positive change of 9.77%.This indicates that the balance sheet and financial strength for Tri-County Bank has held steady in recent periods. Deposit Growth In the past year, Tri-County Bank has increased its total deposits by $12.22 million, resulting in 6.65% 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 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 has $219.19 million in assets with $21.88 million in equity, resulting in a capitalization level of 9.98%, which is average.

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