Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10). A current level of 23.0 percent of nonperforming loans to core capital combined with 3.6 percent from a year earlier contributes to the Fair asset quality (3.4).
Other Rating Factors:
Excellent current capitalization (7.1 on a scale of 0 to 10) and a capital leverage ratio of 9.1. Fair liquidity 3.4, driven by a liquidity ratio of 30.1 percent and a “hot money” ratio of 12.2 percent.
Asset Mix:
Comm re (32%), securities (18%), home mtgs (11%), home eq lns (3%), cash (2%), comm loans (2%), consumer loans (0%), other (32%)
States with Branches:
IN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Tri-County Bancorp.
Investment Rating
--
Address
18 East Washington Street
Roachdale, IN 46172
Roachdale, IN 46172
Phone Number
(765) 522-1000
Year Founded
1892
FDIC Number
Website
Largest Affiliates
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