Border Trust Company

227 Water Street
Augusta, ME 4330
207-622-0038
www.bordertrust.com

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Border Trust Company is headquartered in Augusta and is the 29^th largest bank in the state of Maine. It is also the 6,441^st largest bank in the nation. It was established in 1969 and as of December of 2011, it had grown to 22 employees at 3 locations. Border Trust Company has a 2-star health rating.

Border Trust Company Routing Number: 011201115

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See Rates for: Checking | Savings | Money Market | CD | IRA

Border Trust Company Checking Account Rates

Apy	Min	Max	Product
1.11%	$25k	-	Super NOW Checking Account
0.50%	$2,500	-	Relationship Checking Account
0.15%	$25	-	Basic NOW Checking Account

Border Trust Company Savings Account Rates

Apy	Min	Max	Product
0.25%	$25k	-	Statement Savings Account
0.20%	-	-	Holiday Club Account

Border Trust Company Money Market Rates

	Apy	Min	Max	Product
	1.21%	$100k	-	Money Market Checking Account

Border Trust Company CD Rates

Apy	Min	Max	Product
1.66%	$1k	-	60 Month CD
1.26%	$1k	-	48 Month CD
1.01%	$1k	-	36 Month CD
0.75%	$1k	-	24 Month CD
0.65%	$1k	-	18 Month CD
0.55%	$1k	-	30 Month CD
0.45%	$1k	-	12 Month CD
0.40%	$1k	-	9 Month CD
0.35%	$1k	-	7-31 Day CD
0.35%	$1k	-	6 Month CD
0.15%	$1k	-	3 Month CD

Border Trust Company IRA Rates

Apy	Min	Max	Product
1.66%	$500	-	60 Month IRA CD
1.66%	$500	-	60 Month Roth IRA CD
1.66%	$500	-	60 Month Educational IRA
1.26%	$500	-	48 Month IRA CD
1.26%	$500	-	48 Month Roth IRA CD
1.26%	$500	-	48 Month Educational IRA
1.01%	$500	-	36 Month IRA CD
1.01%	$500	-	36 Month Roth IRA CD
1.01%	$500	-	36 Month Educational IRA
0.75%	$500	-	24 Month IRA CD
0.75%	$500	-	24 Month Roth IRA CD
0.75%	$500	-	24 Month Educational IRA
0.65%	$500	-	18 Month IRA CD
0.65%	$500	-	18 Month Roth IRA CD
0.65%	$500	-	18 Month Educational IRA
0.55%	$500	-	30 Month IRA CD
0.55%	$500	-	30 Month Roth IRA CD
0.55%	$500	-	30 Month Educational IRA
0.45%	$500	-	12 Month IRA CD
0.45%	$500	-	12 Month Roth IRA CD
0.45%	$500	-	12 Month Educational IRA
0.40%	$500	-	9 Month IRA CD
0.40%	$500	-	9 Month Roth IRA CD
0.40%	$500	-	9 Month Educational IRA
0.35%	$500	-	7-31 Day IRA CD
0.35%	$500	-	6 Month IRA CD
0.35%	$500	-	7-31 Day Roth IRA CD
0.35%	$500	-	6 Month Roth IRA CD
0.35%	$500	-	7-31 Day Educational IRA
0.35%	$500	-	6 Month Educationl IRA
0.15%	$500	-	3 Month IRA CD
0.15%	$500	-	3 Month Roth IRA CD
0.15%	$500	-	3 Month Educational IRA

Rates updated: 5/23/2012

Data for Q4 2011

Institution Statistics

Border Trust Company
FDIC Certificate #	20012
BankRate Report	View
Year Established	1969
Employees	22
Primary Regulator	FDIC
Assets and Liabilities
Assets	$48.17 million
Loans	$37.34 million
Deposits	$44.59 million
Equity Capital	$2.14 million
Loan Loss Allowance	$262,000
Unbacked Noncurrent Loans	$1.20 million
Real Estate Owned	$880,000
Historic Data - December 2010
Assets	$54.38 million
Equity Capital	$3.08 million
Loan Loss Allowance	$474,000
Unbacked Noncurrent Loans	$2.67 million
Real Estate Owned	$479,000
Profit Margin - Quarterly
Net Interest Margin	3.8%
Return on Assets	-2.2%
Return on Equity	-45.81%
Interest Income	$2.33 million

Institution Health

Overall Score:

2 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 Border Trust Company had $2.08 million in non-current loans and owned real-estate with $2.4 million in equity and loan loss allowances on hand to cover it. This gives Border Trust Company a Texas Ratio of 86.69% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Border Trust Company decreased slightly from 105.04% as of December 31, 2010 to 86.69% as of December 31, 2011, resulting in a positive change of 17.47%.This indicates that the balance sheet and financial strength for Border Trust Company has improved slightly in recent periods.
Deposit Growth
In the past year, Border Trust Company has increased its total deposits by $1.55 million, resulting in 3.59% 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 Border Trust Company 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. Border Trust Company has $48.17 million in assets with $2.4 million in equity, resulting in a capitalization level of 4.99%, which is poor.

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