Institution Statistics
| The Philadelphia Trust Company | | FDIC Certificate # | 35075 | | BankRate Report | View | | Year Established | 1999 | | Employees | 22 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $16.06 million | | Loans | $3.74 million | | Deposits | $6.24 million | | Equity Capital | $9.34 million | | Loan Loss Allowance | $124,000 |
Historic Data - March 2011 | | Assets | $16.41 million | | Equity Capital | $8.75 million | | Loan Loss Allowance | $124,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.35% | | Return on Assets | 11.84% | | Return on Equity | 20.67% | | Interest Income | $69,000 |
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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 The Philadelphia Trust Company had $0 in non-current loans and owned real-estate with $9.47 million in equity and loan loss allowances on hand to cover it. This gives The Philadelphia Trust Company 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, The Philadelphia Trust Company has decreased its total deposits by $-877,000, resulting in -12.32% 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 The Philadelphia Trust Company has shown is poor. | | 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. The Philadelphia Trust Company has $16.06 million in assets with $9.47 million in equity, resulting in a capitalization level of 58.97%, which is excellent. |
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