Brookline Bank

Brookline Bank is headquartered in Brookline and is the 8^th largest bank in the state of Massachusetts. It is also the 249^th largest bank in the nation. It was established in 1871 and as of December of 2011, it had grown to 270 employees at 20 locations. Brookline Bank has a 5-star health rating.

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Data for Q4 2011

Institution Statistics Brookline Bank OTS # 17777 FDIC Certificate # 17798 BankRate Report View Year Established 1871 Employees 270 Primary Regulator OCC Assets and Liabilities Assets $2.85 billion Loans $2.49 billion Deposits $2.04 billion Equity Capital $284.08 million Loan Loss Allowance $31.30 million Unbacked Noncurrent Loans $4.87 million Real Estate Owned $184,000 Historic Data - December 2010 Assets $2.65 billion Equity Capital $417.29 million Loan Loss Allowance $29.70 million Unbacked Noncurrent Loans $13.37 million Profit Margin - Quarterly Net Interest Margin 3.83% Return on Assets 1.04% Return on Equity 7.64% Interest Income $130.18 million

Institution Health Overall Score: 5 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 Brookline Bank had $5.05 million in non-current loans and owned real-estate with $315.37 million in equity and loan loss allowances on hand to cover it. This gives Brookline Bank a Texas Ratio of 1.60% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Brookline Bank decreased significantly from 2.99% as of December 31, 2010 to 1.60% as of December 31, 2011, resulting in a positive change of 46.44%.This indicates that the balance sheet and financial strength for Brookline Bank has improved significantly in recent periods. Deposit Growth In the past year, Brookline Bank has increased its total deposits by $219.75 million, resulting in 12.07% 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 Brookline Bank 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. Brookline Bank has $2.85 billion in assets with $315.37 million in equity, resulting in a capitalization level of 11.05%, which is above average.

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