Tri-County Community Bank of Lehigh Acres in Lee County, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 25, 1996

Tri-County Community Bank of Lehigh Acres in Lee County, Florida (FL)
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Tri-County Community Bank of Lehigh Acres - Overview

General
FDIC Certificate #: 21832
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Florida Community Bank (#5672)
Federal Reserve ID: 600437
Date Established: November 20, 1974
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 15122
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: November 20, 1974
Last Structure Change Effective Date: July 25, 1996
Last Structure Change Process Date: August 26, 1996
Last Data Update: August 26, 1996
Data Source Date: April 05, 2012
Location
Address: 1261 Homestead Road, Lee County, FL 33936
County: Lee
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: South Florida
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Fort Myers-Cape Coral, FL (#2700)
Core Based Statistical Area (CBSA): Cape Coral-Fort Myers, FL (#15980)
CBSA Metro Statistical Area: Cape Coral-Fort Myers, FL (#15980)
Financial Summary
Total assets: $43.9 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$20Total assets
$42,963Cash and due from depository institutions
$1,376Interest-bearing balances
$0Securities
$12,625Federal funds sold & reverse repurchase agreements
$3,200Net loans & leases
$23,950Loan loss allowance
$264Trading account assets
$0Bank premises and fixed assets
$933Other real estate owned
$253Goodwill and other intangibles
$626Life insurance assets
$0All other assets
$0Total liabilities and capital
$42,963Total liabilities
$38,821Total deposits
$38,686Interest-bearing deposits
$31,582Deposits held in domestic offices
38686.00%% insured (estimated)
$93Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$135Total equity capital
$135Total bank equity capital
$4,142Perpetual preferred stock
$0Common stock
$1,949Surplus
$1,949Undivided profits
Memoranda
$244Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$483Income earned, not collected on loans
$429Earning assets
$39,775Long-term assets (5+ years)
$653Average Assets, year-to-date
$40,682Average Assets, quarterly
$41,939Volatile liabilities
$1,700Insider loans
$2,023FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$1,411Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$4,142Total risk weighted assets
$22,319Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$2,904Total interest expense
$1,149Net interest income
$1,755Provision for loan and lease losses
$244Total noninterest income
$226Fiduciary activities
$0Service charges on deposit accounts
$173Trading account gains & fees
$0Additional noninterest income
$53Total noninterest expense
$1,238Salaries and employee benefits
$745Premises and equipment expense
$109Additional noninterest expense
$384Pre-tax net operating income
$499Securities gains (losses)
$0Applicable income taxes
$119Income before extraordinary items
$380Extraordinary gains - net
$0Net income attributable to bank
$380Net charge-offs
$294Cash dividends
$205Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1995)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.69%Cost of funding earning assets
3.04%Net interest margin
4.65%Noninterest income to earning assets
0.60%Noninterest expense to earning assets
3.28%Net operating income to assets
0.93%Return on assets (ROA)
0.93%Pretax return on assets
1.23%Return on equity (ROE)
9.31%Retained earnings to average equity (YTD only)
4.29%Net charge-offs to loans
1.29%Credit loss provision to net charge-offs
82.99%Efficiency ratio
62,494Assets per employee
2.15%Cash dividends to net income (YTD only)
Condition Ratios (%)
53.95%Loss allowance to loans
1.09%Loss allowance to noncurrent loans
54.66%Noncurrent assets plus other real estate owned to assets
1.71%Noncurrent loans to loans
1.99%Net loans and leases to deposits
61.91%Net loans and leases to core deposits
64.75%Equity capital to assets
9.64%Core capital (leverage) ratio
9.62%Tier 1 risk-based capital ratio
18.56%Total risk-based capital ratio
Memoranda
$20Average assets
$40,682Average earning assets
$4,081Average equity
$37,776Average loans

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