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Overview / Commentary
201 North Warren Avenue
Apollo, PA 15613

Apollo Trust Company is headquartered in Apollo and is the 148th largest bank in the state of Pennsylvania. It is also the 3,645th largest bank in the nation. It was established in 1871 and as of March of 2014, it had grown to 45 employees at 6 locations. Apollo Trust Company has a A health rating.

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Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Apollo Trust Company had $43,000 in non-current loans and owned real-estate with $16.39 million in equity and loan loss allowances on hand to cover it. This gives Apollo Trust Company a Texas Ratio of 0.26% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Apollo Trust Company experienced no significant changes from 0.01% as of March 31, 2013 to 0.26% as of March 31, 2014, resulting in a negative change of 2,302.71%. This indicates that the balance sheet and financial strength for Apollo Trust Company has had no significant changes in recent periods.

Deposit Growth

GRADE:
A

In the past year, Apollo Trust Company has increased its total deposits by $4.97 million, resulting in 3.98% 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 excellent.

Capitalization

GRADE:
B+

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 $154.72 million in assets with $16.39 million in equity, resulting in a capitalization level of 10.59%, which is above average.

Institution Statistics

Overall
FDIC Certificate #6051
Year Established1871
Employees45
Primary RegulatorFED
Assets and Liabilities
Assets$154.72 million
Loans$47.41 million
Deposits$129.81 million
Equity Capital$15.78 million
Loan Loss Allowance$605,000
Unbacked Noncurrent Loans$43,000
Real Estate Owned$0
Historic Data - March 2013
Assets$151.58 million
Equity Capital$17.75 million
Loan Loss Allowance$563,000
Unbacked Noncurrent Loans$43,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.55%
Return on Assets0.87%
Return on Equity8.72%
Interest Income$1.37 million
Rates

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Apollo Trust Company Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.05%$25-Passbook Savings
0.05%$25-Statement Savings
0.05%$25-Christmas Club Savings

Apollo Trust Company Money Market Rates

DetailsAPYMINMAXPRODUCT
0.05%$2,500-Money Market Account

Apollo Trust Company Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%$1k-Now Accounts

Apollo Trust Company CD Rates

DetailsAPYMINMAXPRODUCT
1.00%$500-60 Month CD
0.75%$500-48 Month CD
0.50%$500-36 - 47 Month CD
0.40%$500-24 - 35 Month CD
0.20%$500-12 - 23 Month CD
0.10%$2,500-91 Day CD
0.10%$2,500-6 - 11 Month CD
Locations


Apollo Trust Company Locations
Apollo Trust Company201 North Warren AvenueApollo, PA 15613
Drive-In Facility308 North Second StreetApollo, PA 15613
Allegheny Township Branch501 Hyde Park RoadLeechburg, PA 15656
North Apollo Branch789 River RoadNorth Apollo, PA 15673
Spring Church BranchRoute 56 EastSpring Church, PA 15686
Washington Township BranchSportsman Road and Route 66Washington Township, PA 15613