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Overview / Commentary
7103 South Revere Parkway
Centennial, CO 80112

Trust Company of America is headquartered in Centennial and is the 14st largest bank in the state of Colorado. It is also the 1,301st largest bank in the nation. It was established in 1992 and as of December of 2013, it had grown to 163 employees at 1 location. Trust Company of America has a C+ health rating.

Reviews (1)

My Experience And Opinion

Outrageous fees and inferior customer service, would never do business with them again or recommend them.



Health

Data for Q4 2013

Institution Health

C+

Texas Ratio

GRADE:
A+

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 December 31, 2013 Trust Company of America had $0 in non-current loans and owned real-estate with $15.59 million in equity and loan loss allowances on hand to cover it. This gives Trust Company of America 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

GRADE:
F

In the past year, Trust Company of America has decreased its total deposits by -$75.58 million, resulting in -13.33% 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 Trust Company of America has shown is poor.

Capitalization

GRADE:
F

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. Trust Company of America has $514.79 million in assets with $15.59 million in equity, resulting in a capitalization level of 3.03%, which is poor.

Institution Statistics

Overall
FDIC Certificate #33639
Year Established1992
Employees163
Primary RegulatorFDIC
Assets and Liabilities
Assets$514.79 million
Loans$0
Deposits$491.19 million
Equity Capital$15.59 million
Loan Loss Allowance$0
Real Estate Owned$0
Historic Data - December 2012
Assets$619.61 million
Equity Capital$46.29 million
Loan Loss Allowance$0
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin2.16%
Return on Assets1.29%
Return on Equity20.19%
Interest Income$11.85 million
Rates

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Locations


Trust Company of America Locations
Trust Company Of America7103 South Revere ParkwayCentennial, CO 80112