Toyota Financial Savings Bank

Toyota Financial Savings Bank is headquartered in Henderson and is the 8^th largest bank in the state of Nevada. It is also the 811^st largest bank in the nation. It was established in 2004 and as of March of 2012, it had grown to 42 employees at 1 location. Toyota Financial Savings Bank has a 4-star health rating.

Toyota Financial Savings Bank Routing Number: 122487404

Data for Q1 2012

Institution Statistics Toyota Financial Savings Bank FDIC Certificate # 57542 BankRate Report View Year Established 2004 Employees 42 Primary Regulator FDIC Assets and Liabilities Assets $808.06 million Loans $728.33 million Deposits $651.69 million Equity Capital $148.63 million Loan Loss Allowance $32.33 million Unbacked Noncurrent Loans $16.37 million Real Estate Owned $483,000 Historic Data - March 2011 Assets $796.85 million Equity Capital $128.79 million Loan Loss Allowance $36.34 million Unbacked Noncurrent Loans $16.35 million Real Estate Owned $926,000 Profit Margin - Quarterly Net Interest Margin 4.44% Return on Assets 2.11% Return on Equity 11.77% Interest Income $12.19 million

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 Toyota Financial Savings Bank had $16.85 million in non-current loans and owned real-estate with $180.97 million in equity and loan loss allowances on hand to cover it. This gives Toyota Financial Savings Bank a Texas Ratio of 9.31% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Toyota Financial Savings Bank held steady from 10.46% as of March 31, 2011 to 9.31% as of March 31, 2012, resulting in a positive change of 11.00%.This indicates that the balance sheet and financial strength for Toyota Financial Savings Bank has held steady in recent periods. Deposit Growth In the past year, Toyota Financial Savings Bank has increased its total deposits by $18.92 million, resulting in 2.99% 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 Toyota Financial 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. Toyota Financial Savings Bank has $808.06 million in assets with $180.97 million in equity, resulting in a capitalization level of 22.40%, which is excellent.

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