Century Bank and Trust Company

Century Bank and Trust Company is headquartered in Somerville and is the 9^th largest bank in the state of Massachusetts. It is also the 249^th largest bank in the nation. It was established in 1969 and as of March of 2012, it had grown to 360 employees at 25 locations. Century Bank and Trust Company has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Century Bank and Trust Company FDIC Certificate # 19943 BankRate Report View Year Established 1969 Employees 360 Primary Regulator FDIC Assets and Liabilities Assets $2.85 billion Loans $970.54 million Deposits $2.21 billion Equity Capital $176.75 million Loan Loss Allowance $17.43 million Unbacked Noncurrent Loans $5.32 million Real Estate Owned $1.18 million Historic Data - March 2011 Assets $2.56 billion Equity Capital $154.83 million Loan Loss Allowance $14.96 million Unbacked Noncurrent Loans $11.38 million Real Estate Owned $810,000 Profit Margin - Quarterly Net Interest Margin 2.27% Return on Assets 0.6% Return on Equity 9.7% Interest Income $19.38 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 March 31, 2012 Century Bank and Trust Company had $6.5 million in non-current loans and owned real-estate with $194.19 million in equity and loan loss allowances on hand to cover it. This gives Century Bank and Trust Company a Texas Ratio of 3.35% 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 Century Bank and Trust Company decreased significantly from 7.18% as of March 31, 2011 to 3.35% as of March 31, 2012, resulting in a positive change of 53.40%.This indicates that the balance sheet and financial strength for Century Bank and Trust Company has improved significantly in recent periods. Deposit Growth In the past year, Century Bank and Trust Company has increased its total deposits by $155.36 million, resulting in 7.55% 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 Century 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. Century Bank and Trust Company has $2.85 billion in assets with $194.19 million in equity, resulting in a capitalization level of 6.81%, which is below average.

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