Sumitomo Trust and Banking Co. (U.S.A.)

Sumitomo Trust and Banking Co. (U.S.A.) is headquartered in Hoboken and is the 21^st largest bank in the state of New Jersey. It is also the 587^th largest bank in the nation. It was established in 1987 and as of March of 2012, it had grown to 191 employees at 1 location. Sumitomo Trust and Banking Co. (U.S.A.) has a 4-star health rating.

Data for Q1 2012

Institution Statistics Sumitomo Trust and Banking Co. (U.S.A.) FDIC Certificate # 27054 BankRate Report View Year Established 1987 Employees 191 Primary Regulator FDIC Assets and Liabilities Assets $1.12 billion Deposits $982.85 million Equity Capital $130.66 million Historic Data - March 2011 Assets $1.15 billion Equity Capital $119.83 million Profit Margin - Quarterly Net Interest Margin 0.13% Return on Assets 0.47% Return on Equity 4.26% Interest Income $697,000

Institution Health Overall Score: 4 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 Sumitomo Trust and Banking Co. (U.S.A.) had $0 in non-current loans and owned real-estate with $130.66 million in equity and loan loss allowances on hand to cover it. This gives Sumitomo Trust and Banking Co. (U.S.A.) a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Sumitomo Trust and Banking Co. (U.S.A.) has decreased its total deposits by -$32.65 million, resulting in -3.22% 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 Sumitomo Trust and Banking Co. (U.S.A.) has shown is below 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. Sumitomo Trust and Banking Co. (U.S.A.) has $1.12 billion in assets with $130.66 million in equity, resulting in a capitalization level of 11.63%, which is above average.

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