The Tri-County Bank in Stuart, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Tri-County Bank in Stuart, Nebraska (NE)
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The Tri-County Bank - Overview

  • General
  • FDIC Certificate #: 16339
    Status: Active
    Federal Reserve ID: 657954
    Bank Holding Company (Regulatory Top Holder): Tri-County Company (RSSDID: 1058697, Location: Stuart, NE)
    Date Established: November 17, 1945
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 10523
    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: November 17, 1945
    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: 106 N. Main St, Stuart, NE 68780
    County: Holt
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Sioux City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $79.8 mil
    Equity capital: $6.4 mil
    Deposits held in domestic offices: $72.1 mil
    Return on assets (ROA): 0.53% ($0.4 mil)
    Quarterly return on assets: 0.46% ($0.4 mil)
    Return on Equity (ROE): 6.48% ($0.4 mil)
    Quarterly return on equity: 5.52% ($0.3 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.72% ($574.3 mil)
    Quarterly Pretax return on assets: 0.50% ($398.8 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
  • 28Total employees (full-time equivalent)
  • $79,758Total assets
  • $17,877Cash and due from depository institutions
  • $16,740Interest-bearing balances
  • $14,878Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $43,062Net loans & leases
  • $705Loan loss allowance
  • $0Trading account assets
  • $1,763Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $79,758Life insurance assets
  • $2,178All other assets
  • $73,350Total liabilities and capital
  • $72,091Total liabilities
  • $52,896Total deposits
  • $72,091Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $767Trading liabilities
  • $0Other borrowed funds
  • $492Subordinated debt
  • $6,408All other liabilities
  • $6,408Total equity capital
  • $6,408Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $2,800Surplus
  • $3,208Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $153Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $456Income earned, not collected on loans
  • $0Earning assets
  • $754Long-term assets (5+ years)
  • $74,680Average Assets, year-to-date
  • $11,637Average Assets, quarterly
  • $75,896Volatile liabilities
  • $76,648Insider loans
  • $55,883FHLB advances
  • $77,354Loans and leases held for sale
  • $617Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,262Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $617Total unused commitments
  • $13,735Restructured Loans and leases
  • $123Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,542Total interest income
  • $684Total interest expense
  • $2,858Net interest income
  • $50Provision for loan and lease losses
  • $382Total noninterest income
  • $0Fiduciary activities
  • $215Service charges on deposit accounts
  • $0Trading account gains & fees
  • $167Additional noninterest income
  • $2,660Total noninterest expense
  • $1,489Salaries and employee benefits
  • $419Premises and equipment expense
  • $752Additional noninterest expense
  • $530Pre-tax net operating income
  • $13Securities gains (losses)
  • $141Applicable income taxes
  • $402Income before extraordinary items
  • $0Extraordinary gains - net
  • $402Net income attributable to bank
  • $0Net charge-offs
  • $402Cash dividends
  • $49Sale, conversion, retirement of capital stock, net
  • $60Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.98%Yield on earning assets
  • 0.96%Cost of funding earning assets
  • 4.02%Net interest margin
  • 0.54%Noninterest income to earning assets
  • 3.74%Noninterest expense to earning assets
  • 0.52%Net operating income to assets
  • 0.53%Return on assets (ROA)
  • 0.72%Pretax return on assets
  • 6.48%Return on equity (ROE)
  • 5.51%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 102.04%Credit loss provision to net charge-offs
  • 11.84%Efficiency ratio
  • 82,099Assets per employee
  • 2.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 14.93%Loss allowance to loans
  • 1.61%Loss allowance to noncurrent loans
  • 154.61%Noncurrent assets plus other real estate owned to assets
  • 0.57%Noncurrent loans to loans
  • 1.04%Net loans and leases to deposits
  • 59.73%Net loans and leases to core deposits
  • 60.70%Equity capital to assets
  • 8.03%Core capital (leverage) ratio
  • 8.10%Tier 1 risk-based capital ratio
  • 11.21%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $75,896Average earning assets
  • $6,202Average equity
  • $71,135Average loans

List of branches

  • 3 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010523The Tri-County Bank106 N. Main St, Stuart, NE 68780November 17, 1945Full Service Brick and Mortar
    1444377The Tri-County Bank - Atkinson Branc807 East Ash Street, Atkinson, NE 68713September 01, 2005Full Service Brick and Mortar
    2450584The Tri-County Bank - Bassett103 West Highway 20, Bassett, NE 68714April 03, 2006Full Service Brick and Mortar

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