Institution Statistics
| Germantown Trust & Savings Bank | | FDIC Certificate # | 12113 | | BankRate Report | View | | Year Established | 1906 | | Employees | 40 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $332.23 million | | Loans | $138.44 million | | Deposits | $261.55 million | | Equity Capital | $45.37 million | | Loan Loss Allowance | $974,000 | | Unbacked Noncurrent Loans | $55,000 | | Real Estate Owned | $95,000 |
Historic Data - March 2011 | | Assets | $321.38 million | | Equity Capital | $43.44 million | | Loan Loss Allowance | $965,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.58% | | Return on Assets | 1.75% | | Return on Equity | 12.49% | | Interest Income | $3.09 million |
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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 March 31, 2012 Germantown Trust & Savings Bank had $150,000 in non-current loans and owned real-estate with $46.34 million in equity and loan loss allowances on hand to cover it. This gives Germantown Trust & Savings Bank a Texas Ratio of 0.32% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Germantown Trust & Savings Bank has increased its total deposits by $9.87 million, resulting in 3.92% 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 Germantown Trust & Savings Bank has shown is above average. | | 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. Germantown Trust & Savings Bank has $332.23 million in assets with $46.34 million in equity, resulting in a capitalization level of 13.95%, which is excellent. |
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