BankFive

BankFive is headquartered in Fall River and is the 36^th largest bank in the state of Massachusetts. It is also the 918^st largest bank in the nation. It was established in 1855 and as of December of 2011, it had grown to 187 employees at 13 locations. BankFive has a 4-star health rating.

BankFive Routing Number: 211370642

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Data for Q4 2011

Institution Statistics BankFive FDIC Certificate # 23286 BankRate Report View Year Established 1855 Employees 187 Primary Regulator FDIC Assets and Liabilities Assets $720.60 million Loans $473.17 million Deposits $613.26 million Equity Capital $67.58 million Loan Loss Allowance $6.77 million Unbacked Noncurrent Loans $7.41 million Real Estate Owned $1.96 million Historic Data - December 2010 Assets $708.70 million Equity Capital $64.67 million Loan Loss Allowance $6.97 million Unbacked Noncurrent Loans $5.62 million Real Estate Owned $3.63 million Profit Margin - Quarterly Net Interest Margin 3.73% Return on Assets 0.49% Return on Equity 5.31% Interest Income $31.07 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 BankFive had $9.37 million in non-current loans and owned real-estate with $74.34 million in equity and loan loss allowances on hand to cover it. This gives BankFive a Texas Ratio of 12.60% 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 BankFive held steady from 12.45% as of December 31, 2010 to 12.60% as of December 31, 2011, resulting in a negative change of 1.26%. This indicates that the balance sheet and financial strength for BankFive has held steady in recent periods. Deposit Growth In the past year, BankFive has increased its total deposits by $16.45 million, resulting in 2.76% 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 BankFive 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. BankFive has $720.6 million in assets with $74.34 million in equity, resulting in a capitalization level of 10.32%, which is above average.