Tri City National Bank in Oak Creek, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Tri City National Bank in Oak Creek, Wisconsin (WI)
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Tri City National Bank - Overview

  • General
  • FDIC Certificate #: 18922
    Status: Active
    Federal Reserve ID: 242444
    Bank Holding Company (Regulatory Top Holder): Tri City Bankshares Corporation (RSSDID: 1203974, Location: Oak Creek, WI)
    Date Established: October 28, 1963
    WWW: http://www.tcnb.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 44 (Domestic: 44, Interstate: No)
    FDIC's unique #: 12769
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 28, 1963
    Last Structure Change Effective Date: October 23, 2009
    Last Structure Change Process Date: October 26, 2009
    Last Data Update: October 26, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 6400 South 27th Street, Oak Creek, WI 53154
    County: Milwaukee
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Milwaukee
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Milwaukee-Waukesha, WI (#5080)
    Consolidated Metropolitan Statistical Area (CMSA): Milwaukee-Racine, WI (#63)
    Combined Statistical Area (CSA): Milwaukee-Racine-Waukesha, WI (#376)
    Core Based Statistical Area (CBSA): Milwaukee-Waukesha-West Allis, WI (#33340)
    CBSA Metro Statistical Area: Milwaukee-Waukesha-West Allis, WI (#33340)
  • History of Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
    Corrections
  • Financial Summary
  • Total assets: $1,214.5 mil
    Equity capital: $117.6 mil
    Deposits held in domestic offices: $1,073.7 mil
    Return on assets (ROA): 0.84% ($10.2 mil)
    Quarterly return on assets: 0.73% ($8.9 mil)
    Return on Equity (ROE): 8.37% ($9.9 mil)
    Quarterly return on equity: 7.26% ($8.6 mil)
    Net income: $9.6 mil
    Quarterly Net income: $2.1 mil
    Pretax return on assets: 1.26% ($15,302.8 mil)
    Quarterly Pretax return on assets: 1.10% ($13,359.5 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
  • 444Total employees (full-time equivalent)
  • $1,214,504Total assets
  • $52,941Cash and due from depository institutions
  • $0Interest-bearing balances
  • $360,405Securities
  • $55,121Federal funds sold & reverse repurchase agreements
  • $696,946Net loans & leases
  • $11,012Loan loss allowance
  • $0Trading account assets
  • $18,972Bank premises and fixed assets
  • $7,351Other real estate owned
  • $2,604Goodwill and other intangibles
  • $1,214,504Life insurance assets
  • $20,164All other assets
  • $1,096,919Total liabilities and capital
  • $1,073,666Total liabilities
  • $897,751Total deposits
  • $1,073,666Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $23,253Subordinated debt
  • $117,585All other liabilities
  • $117,585Total equity capital
  • $117,585Total bank equity capital
  • $0Perpetual preferred stock
  • $2,800Common stock
  • $7,936Surplus
  • $106,849Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $29,312Income earned, not collected on loans
  • $289Earning assets
  • $4,651Long-term assets (5+ years)
  • $1,112,472Average Assets, year-to-date
  • $291,538Average Assets, quarterly
  • $1,139,919Volatile liabilities
  • $1,165,198Insider loans
  • $759,793FHLB advances
  • $1,137,098Loans and leases held for sale
  • $12,492Unused loan commitments
  • $12,492Tier 1 (core) risk-based capital
  • $116,420Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $107,490Restructured Loans and leases
  • $8,828Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $53,297Total interest income
  • $4,603Total interest expense
  • $48,694Net interest income
  • $8,370Provision for loan and lease losses
  • $16,471Total noninterest income
  • $0Fiduciary activities
  • $5,547Service charges on deposit accounts
  • $0Trading account gains & fees
  • $10,924Additional noninterest income
  • $42,463Total noninterest expense
  • $21,183Salaries and employee benefits
  • $5,944Premises and equipment expense
  • $15,336Additional noninterest expense
  • $14,332Pre-tax net operating income
  • $0Securities gains (losses)
  • $4,759Applicable income taxes
  • $9,573Income before extraordinary items
  • $0Extraordinary gains - net
  • $9,573Net income attributable to bank
  • $0Net charge-offs
  • $9,573Cash dividends
  • $6,885Sale, conversion, retirement of capital stock, net
  • $1,876Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.04%Yield on earning assets
  • 0.44%Cost of funding earning assets
  • 4.61%Net interest margin
  • 1.56%Noninterest income to earning assets
  • 4.02%Noninterest expense to earning assets
  • 0.84%Net operating income to assets
  • 0.84%Return on assets (ROA)
  • 1.26%Pretax return on assets
  • 8.37%Return on equity (ROE)
  • 6.73%Retained earnings to average equity (YTD only)
  • 0.95%Net charge-offs to loans
  • 121.57%Credit loss provision to net charge-offs
  • 3.30%Efficiency ratio
  • 65,162Assets per employee
  • 2.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 19.60%Loss allowance to loans
  • 1.56%Loss allowance to noncurrent loans
  • 37.57%Noncurrent assets plus other real estate owned to assets
  • 3.02%Noncurrent loans to loans
  • 4.14%Net loans and leases to deposits
  • 64.91%Net loans and leases to core deposits
  • 66.68%Equity capital to assets
  • 9.68%Core capital (leverage) ratio
  • 10.24%Tier 1 risk-based capital ratio
  • 15.32%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $1,139,919Average earning assets
  • $114,371Average equity
  • $1,056,879Average loans

List of branches

  • 44 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012769Tri City National Bank6400 South 27th Street, Oak Creek, WI 53154October 28, 1963Full Service Brick and Mortar
    1246816Ryan Road Branch2555 West Ryan Road, Franklin, WI 53154December 10, 1968Full Service Brick and Mortar
    2246817Loomis Branch3701 South 27th Street, Milwaukee, WI 53221January 22, 1990Full Service Retail
    3246818Southgate Branch3378 South 27th Street, Milwaukee, WI 53215July 16, 1990Full Service Brick and Mortar
    432992Brookfield Main Branch17100 West Bluemound Road, Brookfield, WI 53005October 04, 1985Full Service Brick and Mortar
    5259306Capitol Drive Branch12745 West Capitol Drive, Brookfield, WI 53005June 26, 1989Full Service Brick and Mortar
    6259307Waukesha Megamart Branch220 East Sunset Drive, Waukesha, WI 53186June 04, 1990Full Service Retail
    715873West Bradley Road Branch4295 West Bradley Road, Brown Deer, WI 53223October 23, 1978Full Service Brick and Mortar
    8255183Good Hope Branch7213 North Teutonia Avenue, Milwaukee, WI 53209Febuary 13, 1989Full Service Brick and Mortar
    9255184Brown Deer Center Branch9200 North Greenbay, Brown Deer, WI 53209May 07, 1990Full Service Retail
    1013839South 108th Street Branch5555 South 108th Street, Hales Corners, WI 53130Febuary 27, 1970Full Service Brick and Mortar
    11250340Drive-In Bank Facility5455 S. 108th St, Hales Corners, WI 53130May 19, 1982Limited Service Facility
    12250341Oklahoma Branch3164 South 76th Street, Milwaukee, WI 53219March 05, 1990Full Service Brick and Mortar
    1338726County Line BranchN96 W18211 County Line, Menomonee Falls, WI 53051October 13, 1987Full Service Brick and Mortar
    1414993West Greenfield Branch10909 West Greenfield Avenue, West Allis, WI 53214July 01, 1974Full Service Brick and Mortar
    16253204Waumatosa Branch10859 West Bluemound Road, Wauwatosa, WI 53226December 01, 1986Full Service Brick and Mortar
    17253205Cleveland Branch2625 South 108th Street, West Allis, WI 53227January 24, 1990Full Service Retail
    18253206Market Square Conv. Center Branch6760 West National Avenue, West Allis, WI 53214July 31, 1990Full Service Retail
    19246819Pick 'n Save Branch12735 West Capitol Drive, Brookfield, WI 53005March 28, 1990Full Service Retail
    20246820Tri City Branch6312 South 27th Street, Oak Creek, WI 53154March 28, 1990Full Service Retail
    21246821Grafton Convenience Center Branch1827 Wisconsin Avenue, Grafton, WI 53024November 19, 1990Full Service Retail
    22246822Market Square Branch6767 West Greenfield Avenue, West Allis, WI 53214December 04, 1990Full Service Brick and Mortar
    23246823Cedarburg BranchW61 N529 Washington Avenue, Cedarburg, WI 53012Febuary 03, 1992Full Service Brick and Mortar
    24246824Greenfield Convenience Center Branch4200-D South 76th Street, Greenfield, WI 53220June 02, 1993Full Service Retail
    25246825Bayview Convenience Center Branch150 West Holt Avenue, Milwaukee, WI 53207November 14, 1993Full Service Retail
    26246826Howell Convenience Center Branch8770 South Howell Avenue, Oak Creek, WI 53154April 02, 1995Full Service Retail
    28246828Good Hope Convenience Center Branch7401 West Good Hope Road, Milwaukee, WI 53223September 01, 1995Full Service Retail
    29246829Whitnall Convenience Center Branch4968 South Whitnall Avenue, St. Francis, WI 53235November 20, 1995Full Service Retail
    30246830Clarke Square Convenience Ctr Branch1818 West National Avenue, Milwaukee, WI 53204January 19, 1997Full Service Retail
    31246831Sturtevant Branch8710 Durand Avenue, Sturtevant, WI 53177June 21, 1999Full Service Brick and Mortar
    32361467South Milwaukee Branch2115 10th Avenue, South Milwaukee, WI 53172May 30, 2001Full Service Brick and Mortar
    33419581Silver Spring Branch10202 West Silver Spring Drive, Milwaukee, WI 53225June 24, 2002Full Service Retail
    34441713Grandville Branch8120 West Brown Deer Road, Milwaukee, WI 53223June 11, 2005Full Service Brick and Mortar
    35454321Ryan Road Pick And Save Branch2320 W. Ryan Road, Oak Creek, WI 53154October 10, 2005Full Service Retail
    36454322South Milwaukee Inside Pick And Save2901 S Chicago Ave, South Milwaukee, WI 53172October 24, 2005Full Service Retail
    37454323South Moorland Inside Pick And Save15170 W Greenfield Ave, Brookfield, WI 53005March 21, 2006Full Service Retail
    38465781Mt. Pleasant Branch1202 North Green Bay Road, Racine, WI 53406January 30, 2007Full Service Brick and Mortar
    39465782West Milwaukee Branch2201 Miller Park Way, West Milwaukee, WI 53219March 06, 2007Full Service Brick and Mortar
    4012236Tri City Bank Branch2704 Lathrop Avenue, Racine, WI 53405December 08, 1960Full Service Brick and Mortar
    41244784Motorbank4101 Durand Avenue, Racine, WI 53405July 09, 1975Limited Service Facility
    42244785Green Acre Branch4708 Northwestern Avenue, Racine, WI 53406August 21, 1986Full Service Brick and Mortar
    43244786Erie Street Branch3900 Erie Street, Racine, WI 53402January 16, 1991Full Service Retail
    44244789Kenosha Branch5901 Washington Road, Kenosha, WI 53140March 01, 1999Full Service Brick and Mortar
    46512449Mayfair Road Fsc1717 North Mayfair Road, Wauwatosa, WI 53226September 12, 2009Full Service Retail

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