Triumph Savings Bank, SSB

Triumph Savings Bank, SSB is headquartered in Dallas and is the 181^st largest bank in the state of Texas. It is also the 2,267^th largest bank in the nation. It was established in 1981 and as of March of 2012, it had grown to 83 employees at 2 locations. Triumph Savings Bank, SSB's money market rates are 48% higher than the national average, and it has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Triumph Savings Bank, SSB FDIC Certificate # 23498 BankRate Report View Year Established 1981 Employees 83 Primary Regulator FDIC Assets and Liabilities Assets $287.94 million Loans $201.02 million Deposits $228.32 million Equity Capital $42.05 million Loan Loss Allowance $1.62 million Unbacked Noncurrent Loans $12.55 million Real Estate Owned $2.38 million Historic Data - March 2011 Assets $256.91 million Equity Capital $37.64 million Loan Loss Allowance $23,000 Unbacked Noncurrent Loans $13.15 million Real Estate Owned $13.30 million Profit Margin - Quarterly Net Interest Margin 8.43% Return on Assets 1.12% Return on Equity 7.33% Interest Income $6.52 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 Triumph Savings Bank, SSB had $14.93 million in non-current loans and owned real-estate with $43.67 million in equity and loan loss allowances on hand to cover it. This gives Triumph Savings Bank, SSB a Texas Ratio of 34.18% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Triumph Savings Bank, SSB decreased significantly from 70.22% as of March 31, 2011 to 34.18% as of March 31, 2012, resulting in a positive change of 51.32%.This indicates that the balance sheet and financial strength for Triumph Savings Bank, SSB has improved significantly in recent periods. Deposit Growth In the past year, Triumph Savings Bank, SSB has increased its total deposits by $10.28 million, resulting in 4.71% 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 Triumph Savings Bank, SSB 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. Triumph Savings Bank, SSB has $287.94 million in assets with $43.67 million in equity, resulting in a capitalization level of 15.17%, which is excellent.

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