Major Rating Factors:
Excellent current capitalization (7.9 on a scale of 0 to 10) and a capital leverage ratio of 9.6. A current level of 5.0 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (7.2).
Other 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 (4.8 on a scale of 0 to 10). Fair liquidity 3.1, driven by a liquidity ratio of 26.2 percent and a “hot money” ratio of 14.0 percent.
Asset Mix:
Comm re (36%), securities (18%), home mtgs (12%), home eq lns (3%), cash (2%), comm loans (1%), consumer loans (0%), other (28%)
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
No affiliate information available.