Goldman Sachs Bank USA

Goldman Sachs Bank USA is headquartered in New York and is the 2^nd largest bank in the state of New York. It is also the 19^st largest bank in the nation. It was established in 1990 and as of March of 2012, it had grown to 283 employees at 5 locations. Goldman Sachs Bank USA has a 5-star health rating.

Data for Q1 2012

Institution Statistics Goldman Sachs Bank USA FDIC Certificate # 33124 BankRate Report View Year Established 1990 Employees 283 Primary Regulator FED Assets and Liabilities Assets $101.93 billion Loans $12.12 billion Deposits $48.69 billion Equity Capital $19.73 billion Loan Loss Allowance $9.00 million Unbacked Noncurrent Loans $1,000,000 Historic Data - March 2011 Assets $84.20 billion Equity Capital $18.06 billion Loan Loss Allowance $4.00 million Profit Margin - Quarterly Net Interest Margin 0.56% Return on Assets 2.02% Return on Equity 10.68% Interest Income $246.00 million

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 Goldman Sachs Bank USA had $1,000,000 in non-current loans and owned real-estate with $19.74 billion in equity and loan loss allowances on hand to cover it. This gives Goldman Sachs Bank USA a Texas Ratio of 0.01% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Goldman Sachs Bank USA has increased its total deposits by $16.41 billion, resulting in 50.83% 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 Goldman Sachs Bank USA 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. Goldman Sachs Bank USA has $101.93 billion in assets with $19.74 billion in equity, resulting in a capitalization level of 19.37%, which is excellent.

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