Apollo Trust Company

Apollo Trust Company Locations
201 North Warren Avenue
Apollo, PA 15613
www.apollotrust.com



Apollo Trust Company is headquartered in Apollo and is the 157th largest bank in the state of Pennsylvania. It is also the 3,923rd largest bank in the nation. It was established in 1871 and as of December of 2011, it had grown to 48 employees at 6 locations. Apollo Trust Company has a 5-star health rating.



See Rates for: Checking | Savings | Money Market | CD

Apollo Trust Company Checking Account Rates

ApyMinMaxProduct
0.05%$1k-Now Accounts

Apollo Trust Company Savings Account Rates

ApyMinMaxProduct
0.10%$25-Passbook Savings
0.10%$25-Statement Savings
0.10%$25-Christmas Club Savings

Apollo Trust Company Money Market Rates

ApyMinMaxProduct
0.10%$2,500-Money Market Account

Apollo Trust Company CD Rates

ApyMinMaxProduct
1.00%$2,500-60 Month CD
0.80%$2,500-48 Month CD
0.50%$2,500-36 - 47 Month CD
0.40%$2,500-24 - 35 Month CD
0.25%$2,500-12 - 23 Month CD
0.20%$2,500-91 Day CD
0.20%$2,500-6 - 11 Month CD

Rates updated: 5/22/2012

Data for Q4 2011


Institution Statistics


Apollo Trust Company
FDIC Certificate #6051
BankRate ReportView
Year Established1871
Employees48
Primary RegulatorFED

Assets and Liabilities

Assets$145.91 million
Loans$44.47 million
Deposits$120.68 million
Equity Capital$16.75 million
Loan Loss Allowance$540,000
Unbacked Noncurrent Loans$148,000

Historic Data - December 2010

Assets$135.99 million
Equity Capital$15.92 million
Loan Loss Allowance$506,000
Unbacked Noncurrent Loans$14,000

Profit Margin - Quarterly

Net Interest Margin3.85%
Return on Assets0.96%
Return on Equity8.34%
Interest Income$5.60 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Apollo Trust Company had $148,000 in non-current loans and owned real-estate with $17.29 million in equity and loan loss allowances on hand to cover it. This gives Apollo Trust Company a Texas Ratio of 0.86% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Apollo Trust Company held steady from 0.09% as of December 31, 2010 to 0.86% as of December 31, 2011, resulting in a negative change of 904.37%. This indicates that the balance sheet and financial strength for Apollo Trust Company has held steady in recent periods.
Deposit Growth4
In the past year, Apollo Trust Company has increased its total deposits by $1.83 million, resulting in 1.54% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Apollo Trust Company has shown is above average.
Capitalization4
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Apollo Trust Company has $145.91 million in assets with $17.29 million in equity, resulting in a capitalization level of 11.85%, which is above average.
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