GE Capital Retail Bank

GE Capital Retail Bank is headquartered in Draper and is the 6^th largest bank in the state of Utah. It is also the 47^th largest bank in the nation. It was established in 1988 and as of December of 2012, it had grown to 5,749 employees at 1 location. GE Capital Retail Bank's money market rates are 82% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2012

Institution Statistics GE Capital Retail Bank OTS # 15044 FDIC Certificate # 27314 BankRate Report View Year Established 1988 Employees 5749 Primary Regulator OCC Assets and Liabilities Assets $30.28 billion Loans $27.26 billion Deposits $18.95 billion Equity Capital $5.58 billion Loan Loss Allowance $1.11 billion Unbacked Noncurrent Loans $533.89 million Historic Data - December 2011 Assets $25.10 billion Equity Capital $4.41 billion Loan Loss Allowance $978.11 million Unbacked Noncurrent Loans $437.98 million Real Estate Owned ($2,888,000) Profit Margin - Quarterly Net Interest Margin 15.87% Return on Assets 6.6% Return on Equity 37.49% Interest Income $4.35 billion

Institution Health Overall Score: 5 out of 5 Texas Ratio 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, 2012 GE Capital Retail Bank had $533.88 million in non-current loans and owned real-estate with $6.69 billion in equity and loan loss allowances on hand to cover it. This gives GE Capital Retail Bank a Texas Ratio of 7.98% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for GE Capital Retail Bank held steady from 8.07% as of December 31, 2011 to 7.98% as of December 31, 2012, resulting in a positive change of 1.12%.This indicates that the balance sheet and financial strength for GE Capital Retail Bank has held steady in recent periods. Deposit Growth In the past year, GE Capital Retail Bank has increased its total deposits by $1.05 billion, resulting in 5.84% 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 GE Capital Retail Bank has shown is excellent. Capitalization 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. GE Capital Retail Bank has $30.28 billion in assets with $6.69 billion in equity, resulting in a capitalization level of 22.10%, which is excellent.

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