Athol Savings Bank

Athol Savings Bank is headquartered in Athol and is the 83^rd largest bank in the state of Massachusetts. It is also the 1,979^th largest bank in the nation. It was established in 1867 and as of December of 2011, it had grown to 82 employees at 8 locations. Athol Savings Bank has a 5-star health rating.

Athol Savings Bank Routing Number: 211370998

Data for Q4 2011

Institution Statistics Athol Savings Bank FDIC Certificate # 90146 BankRate Report View Year Established 1867 Employees 82 Primary Regulator FDIC Assets and Liabilities Assets $327.40 million Loans $173.11 million Deposits $277.22 million Equity Capital $43.87 million Loan Loss Allowance $1.75 million Unbacked Noncurrent Loans $964,000 Real Estate Owned $140,000 Historic Data - December 2010 Assets $325.70 million Equity Capital $40.98 million Loan Loss Allowance $2.06 million Unbacked Noncurrent Loans $278,000 Real Estate Owned $135,000 Profit Margin - Quarterly Net Interest Margin 3.2% Return on Assets 0.57% Return on Equity 4.43% Interest Income $11.96 million

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 December 31, 2011 Athol Savings Bank had $1.1 million in non-current loans and owned real-estate with $45.62 million in equity and loan loss allowances on hand to cover it. This gives Athol Savings Bank a Texas Ratio of 2.42% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Athol Savings Bank held steady from 0.96% as of December 31, 2010 to 2.42% as of December 31, 2011, resulting in a negative change of 152.19%. This indicates that the balance sheet and financial strength for Athol Savings Bank has held steady in recent periods. Deposit Growth In the past year, Athol Savings Bank has increased its total deposits by $2.16 million, resulting in 0.78% 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 Athol Savings Bank 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. Athol Savings Bank has $327.4 million in assets with $45.62 million in equity, resulting in a capitalization level of 13.93%, which is excellent.