Tri-County Bank & Trust Company in Roachdale, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Tri-County Bank & Trust Company in Roachdale, Indiana (IN)
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Tri-County Bank & Trust Company routing number info

Tri-County Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 210
    Status: Active
    Federal Reserve ID: 914545
    Bank Holding Company (Regulatory Top Holder): Tri-County Bancorp. (RSSDID: 1205286, Location: Roachdale, IN)
    Date Established: October 07, 1892
    WWW: http://www.tricountybank.net
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 9713
    FDIC's unique #: 165
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 18 East Washington Street, Roachdale, IN 46172
    County: Putnam
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Indianapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Combined Statistical Area (CSA): Indianapolis-Anderson-Columbus, IN (#294)
    Core Based Statistical Area (CBSA): Indianapolis-Carmel, IN (#26900)
    CBSA Metro Statistical Area: Indianapolis-Carmel, IN (#26900)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $165.4 mil
    Equity capital: $21.5 mil
    Deposits held in domestic offices: $142.7 mil
    Return on assets (ROA): 0.82% ($1.4 mil)
    Quarterly return on assets: 0.83% ($1.4 mil)
    Return on Equity (ROE): 6.39% ($1.3 mil)
    Quarterly return on equity: 6.33% ($1.3 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.13% ($1,868.5 mil)
    Quarterly Pretax return on assets: 1.20% ($1,984.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 42Total employees (full-time equivalent)
  • $165,357Total assets
  • $8,749Cash and due from depository institutions
  • $3,331Interest-bearing balances
  • $65,468Securities
  • $19,485Federal funds sold & reverse repurchase agreements
  • $67,684Net loans & leases
  • $1,052Loan loss allowance
  • $0Trading account assets
  • $1,225Bank premises and fixed assets
  • $545Other real estate owned
  • $0Goodwill and other intangibles
  • $165,357Life insurance assets
  • $2,201All other assets
  • $143,862Total liabilities and capital
  • $142,679Total liabilities
  • $119,760Total deposits
  • $142,679Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,183Subordinated debt
  • $21,495All other liabilities
  • $21,495Total equity capital
  • $21,495Total bank equity capital
  • $0Perpetual preferred stock
  • $700Common stock
  • $2,300Surplus
  • $18,495Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $420Income earned, not collected on loans
  • $0Earning assets
  • $1,213Long-term assets (5+ years)
  • $155,968Average Assets, year-to-date
  • $57,578Average Assets, quarterly
  • $162,465Volatile liabilities
  • $164,356Insider loans
  • $83,659FHLB advances
  • $165,776Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $20,154Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,729Restructured Loans and leases
  • $102Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,186Total interest income
  • $1,044Total interest expense
  • $5,142Net interest income
  • $188Provision for loan and lease losses
  • $767Total noninterest income
  • $18Fiduciary activities
  • $316Service charges on deposit accounts
  • $0Trading account gains & fees
  • $433Additional noninterest income
  • $3,966Total noninterest expense
  • $1,928Salaries and employee benefits
  • $388Premises and equipment expense
  • $1,650Additional noninterest expense
  • $1,755Pre-tax net operating income
  • $74Securities gains (losses)
  • $491Applicable income taxes
  • $1,338Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,338Net income attributable to bank
  • $0Net charge-offs
  • $1,338Cash dividends
  • $187Sale, conversion, retirement of capital stock, net
  • $907Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.01%Yield on earning assets
  • 0.68%Cost of funding earning assets
  • 3.33%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 2.57%Noninterest expense to earning assets
  • 0.79%Net operating income to assets
  • 0.82%Return on assets (ROA)
  • 1.13%Pretax return on assets
  • 6.39%Return on equity (ROE)
  • 2.06%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 100.53%Credit loss provision to net charge-offs
  • 10.39%Efficiency ratio
  • 67,118Assets per employee
  • 3.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 67.79%Loss allowance to loans
  • 1.53%Loss allowance to noncurrent loans
  • 250.48%Noncurrent assets plus other real estate owned to assets
  • 0.58%Noncurrent loans to loans
  • 0.61%Net loans and leases to deposits
  • 47.44%Net loans and leases to core deposits
  • 49.11%Equity capital to assets
  • 13.00%Core capital (leverage) ratio
  • 12.16%Tier 1 risk-based capital ratio
  • 24.09%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $162,465Average earning assets
  • $20,954Average equity
  • $154,301Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $11,251Managed Assets
  • 1Number of Accounts
  • $11,250Personal trust and agency accounts
  • $6,254Employee benefit-defined contribution accounts
  • $3,804Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $1,192Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 69Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1Other retirement accounts
  • $1Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 5 Indiana Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    0165Tri-County Bank & Trust Company18 East Washington Street, Roachdale, IN 46172October 07, 1892Full Service Brick and Mortar
    1181357Bainbridge Branch203 East Highway 36, Bainbridge, IN 46105October 03, 1960Full Service Brick and Mortar
    2181358Russellville Branch220 South Harrison Street, Russellville, IN 46175September 02, 1969Full Service Brick and Mortar
    3181359South Boulevard Branch101 East South Boulevard, Crawfordsville, IN 47933December 29, 1987Full Service Brick and Mortar
    4181360Main Street Crawfordsville Branch224 East Main Street, Crawfordsville, IN 47933September 13, 1993Full Service Brick and Mortar

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