Institution Statistics
| Trust Company of America | | FDIC Certificate # | 33639 | | BankRate Report | View | | Year Established | 1992 | | Employees | 153 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $506.50 million | | Deposits | $457.81 million | | Equity Capital | $46.27 million |
Historic Data - March 2011 | | Assets | $584.53 million | | Equity Capital | $32.86 million |
Profit Margin - Quarterly | | Net Interest Margin | 2.58% | | Return on Assets | 1.69% | | Return on Equity | 18.4% | | Interest Income | $2.94 million |
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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 Trust Company of America had $0 in non-current loans and owned real-estate with $46.27 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 |  | | In the past year, Trust Company of America has decreased its total deposits by -$88.72 million, resulting in -16.23% 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 |  | | 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 $506.5 million in assets with $46.27 million in equity, resulting in a capitalization level of 9.14%, which is average. |
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