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 (4.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (2.4) profitability.
Other Rating Factors:
A current level of 2.3 percent of nonperforming loans to core capital combined with 9.0 percent from a year earlier contributes to the Excellent asset quality (8.0). Excellent current capitalization (7.8 on a scale of 0 to 10) and a capital leverage ratio of 9.5.
Asset Mix:
Comm re (39%), securities (19%), home mtgs (13%), home eq lns (3%), cash (2%), comm loans (2%), consumer loans (1%), other (22%)
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.