Institution Statistics
| Tri-County Trust Company | | FDIC Certificate # | 11465 | | BankRate Report | View | | Year Established | 1921 | | Employees | 12 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $55.11 million | | Loans | $34.35 million | | Deposits | $50.10 million | | Equity Capital | $4.88 million | | Loan Loss Allowance | $690,000 | | Unbacked Noncurrent Loans | $252,000 | | Real Estate Owned | $421,000 |
Historic Data - March 2011 | | Assets | $49.07 million | | Equity Capital | $4.32 million | | Loan Loss Allowance | $871,000 | | Unbacked Noncurrent Loans | $693,000 | | Real Estate Owned | $401,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.59% | | Return on Assets | 1.84% | | Return on Equity | 19.98% | | Interest Income | $721,000 |
|
|
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 Trust Company had $673,000 in non-current loans and owned real-estate with $5.57 million in equity and loan loss allowances on hand to cover it. This gives Tri-County Trust Company a Texas Ratio of 12.09% which is above 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 Trust Company decreased significantly from 21.08% as of March 31, 2011 to 12.09% as of March 31, 2012, resulting in a positive change of 42.64%.This indicates that the balance sheet and financial strength for Tri-County Trust Company has improved significantly in recent periods. | | Deposit Growth | | | In the past year, Tri-County Trust Company has increased its total deposits by $5.49 million, resulting in 12.3% 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 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 Trust Company has $55.11 million in assets with $5.57 million in equity, resulting in a capitalization level of 10.10%, which is above average. |
|
