Boston Private Bank & Trust Company

Boston Private Bank & Trust Company is headquartered in Boston and is the 3^rd largest bank in the state of Massachusetts. It is also the 152^nd largest bank in the nation. It was established in 1983 and as of December of 2011, it had grown to 657 employees at 24 locations. Boston Private Bank & Trust Company has a 4-star health rating.

Data for Q4 2011

Institution Statistics Boston Private Bank & Trust Company FDIC Certificate # 24811 BankRate Report View Year Established 1983 Employees 657 Primary Regulator FDIC Assets and Liabilities Assets $5.85 billion Loans $4.56 billion Deposits $4.64 billion Equity Capital $504.86 million Loan Loss Allowance $96.11 million Unbacked Noncurrent Loans $67.94 million Real Estate Owned $5.10 million Historic Data - December 2010 Assets $3.45 billion Equity Capital $244.09 million Loan Loss Allowance $32.94 million Unbacked Noncurrent Loans $25.17 million Profit Margin - Quarterly Net Interest Margin 3.37% Return on Assets 0.69% Return on Equity 8.29% Interest Income $230.28 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 Boston Private Bank & Trust Company had $73.04 million in non-current loans and owned real-estate with $600.97 million in equity and loan loss allowances on hand to cover it. This gives Boston Private Bank & Trust Company a Texas Ratio of 12.15% 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 Boston Private Bank & Trust Company held steady from 9.01% as of December 31, 2010 to 12.15% as of December 31, 2011, resulting in a negative change of 34.84%. This indicates that the balance sheet and financial strength for Boston Private Bank & Trust Company has held steady in recent periods. Deposit Growth In the past year, Boston Private Bank & Trust Company has increased its total deposits by $2.12 billion, resulting in 83.98% 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 Boston Private Bank & Trust Company has shown is excellent. 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. Boston Private Bank & Trust Company has $5.85 billion in assets with $600.97 million in equity, resulting in a capitalization level of 10.27%, which is above average.

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