Bank of Millbrook

Bank of Millbrook is headquartered in Millbrook and is the 133^rd largest bank in the state of New York. It is also the 3,303^rd largest bank in the nation. It was established in 1891 and as of December of 2011, it had grown to 41 employees at 4 locations. Bank of Millbrook has a 4-star health rating.

Data for Q4 2011

Institution Statistics Bank of Millbrook FDIC Certificate # 618 BankRate Report View Year Established 1891 Employees 41 Primary Regulator FED Assets and Liabilities Assets $184.56 million Loans $107.42 million Deposits $160.73 million Equity Capital $21.59 million Loan Loss Allowance $2.25 million Unbacked Noncurrent Loans $2.50 million Real Estate Owned $367,000 Historic Data - December 2010 Assets $183.59 million Equity Capital $20.37 million Loan Loss Allowance $2.13 million Unbacked Noncurrent Loans $3.12 million Real Estate Owned $65,000 Profit Margin - Quarterly Net Interest Margin 3.99% Return on Assets 0.82% Return on Equity 7.3% Interest Income $7.05 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 December 31, 2011 Bank of Millbrook had $2.87 million in non-current loans and owned real-estate with $23.84 million in equity and loan loss allowances on hand to cover it. This gives Bank of Millbrook a Texas Ratio of 12.02% 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 Bank of Millbrook held steady from 14.14% as of December 31, 2010 to 12.02% as of December 31, 2011, resulting in a positive change of 14.98%.This indicates that the balance sheet and financial strength for Bank of Millbrook has held steady in recent periods. Deposit Growth In the past year, Bank of Millbrook has decreased its total deposits by $-838,000, resulting in -0.52% 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 Bank of Millbrook 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. Bank of Millbrook has $184.56 million in assets with $23.84 million in equity, resulting in a capitalization level of 12.92%, which is excellent.

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