Barre Savings Bank

Barre Savings Bank is headquartered in Barre and is the 132^nd largest bank in the state of Massachusetts. It is also the 3,959^th largest bank in the nation. It was established in 1869 and as of December of 2011, it had grown to 37 employees at 3 locations. Barre Savings Bank has a 3-star health rating.

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Data for Q4 2011

Institution Statistics Barre Savings Bank FDIC Certificate # 90148 BankRate Report View Year Established 1869 Employees 37 Primary Regulator FDIC Assets and Liabilities Assets $144.34 million Loans $103.46 million Deposits $108.51 million Equity Capital $13.87 million Loan Loss Allowance $2.50 million Unbacked Noncurrent Loans $5.03 million Real Estate Owned $166,000 Historic Data - December 2010 Assets $142.75 million Equity Capital $13.01 million Loan Loss Allowance $3.15 million Unbacked Noncurrent Loans $5.91 million Real Estate Owned $31,000 Profit Margin - Quarterly Net Interest Margin 3.53% Return on Assets 0.38% Return on Equity 4.11% Interest Income $6.09 million

Institution Health Overall Score: 3 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 Barre Savings Bank had $5.2 million in non-current loans and owned real-estate with $16.38 million in equity and loan loss allowances on hand to cover it. This gives Barre Savings Bank a Texas Ratio of 31.75% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Barre Savings Bank decreased slightly from 37.53% as of December 31, 2010 to 31.75% as of December 31, 2011, resulting in a positive change of 15.41%.This indicates that the balance sheet and financial strength for Barre Savings Bank has improved slightly in recent periods. Deposit Growth In the past year, Barre Savings Bank has increased its total deposits by $615,000, resulting in 0.57% 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 Barre 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. Barre Savings Bank has $144.34 million in assets with $16.38 million in equity, resulting in a capitalization level of 11.35%, which is above average.

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