Brunswick Bank and Trust Company

Brunswick Bank and Trust Company is headquartered in New Brunswick and is the 95^th largest bank in the state of New Jersey. It is also the 4,032^nd largest bank in the nation. It was established in 1970 and as of December of 2011, it had grown to 43 employees at 7 locations. Brunswick Bank and Trust Company has a 4-star health rating.

Data for Q4 2011

Institution Statistics Brunswick Bank and Trust Company FDIC Certificate # 20220 BankRate Report View Year Established 1970 Employees 43 Primary Regulator FDIC Assets and Liabilities Assets $139.98 million Loans $95.11 million Deposits $114.41 million Equity Capital $25.19 million Loan Loss Allowance $2.36 million Unbacked Noncurrent Loans $8.91 million Real Estate Owned $2.36 million Historic Data - December 2010 Assets $136.06 million Equity Capital $26.95 million Loan Loss Allowance $1.77 million Unbacked Noncurrent Loans $10.82 million Real Estate Owned $2.24 million Profit Margin - Quarterly Net Interest Margin 4.96% Return on Assets -1.37% Return on Equity -6.57% Interest Income $6.47 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 Brunswick Bank and Trust Company had $11.27 million in non-current loans and owned real-estate with $27.56 million in equity and loan loss allowances on hand to cover it. This gives Brunswick Bank and Trust Company a Texas Ratio of 40.90% 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 Brunswick Bank and Trust Company held steady from 45.45% as of December 31, 2010 to 40.90% as of December 31, 2011, resulting in a positive change of 10.01%.This indicates that the balance sheet and financial strength for Brunswick Bank and Trust Company has held steady in recent periods. Deposit Growth In the past year, Brunswick Bank and Trust Company has increased its total deposits by $5.84 million, resulting in 5.38% 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 Brunswick Bank and 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. Brunswick Bank and Trust Company has $139.98 million in assets with $27.56 million in equity, resulting in a capitalization level of 19.69%, which is excellent.

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