Institution Statistics
| The Trust Company of Virginia | | OTS # | 18054 | | FDIC Certificate # | 58700 | | BankRate Report | View | | Year Established | 2008 | | Employees | 43 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $6.27 million | | Deposits | $500,000 | | Equity Capital | $5.23 million |
Historic Data - March 2011 | | Assets | $6.05 million | | Equity Capital | $5.01 million |
Profit Margin - Quarterly | | Net Interest Margin | 2.77% | | Return on Assets | 5.92% | | Return on Equity | 7.17% | | Interest Income | $32,000 |
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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 The Trust Company of Virginia had $0 in non-current loans and owned real-estate with $5.23 million in equity and loan loss allowances on hand to cover it. This gives The Trust Company of Virginia 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 Trust Company of Virginia has increased its total deposits by $0, resulting in 0% 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 Trust Company of Virginia has shown is 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. The Trust Company of Virginia has $6.27 million in assets with $5.23 million in equity, resulting in a capitalization level of 83.43%, which is excellent. |
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