Claremont Savings Bank

Claremont Savings Bank is headquartered in Claremont and is the 12^st largest bank in the state of New Hampshire. It is also the 2,004^th largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 103 employees at 5 locations. Claremont Savings Bank has a 4-star health rating.

Claremont Savings Bank Routing Number: 211770190

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Data for Q1 2012

Institution Statistics Claremont Savings Bank FDIC Certificate # 18038 BankRate Report View Year Established 1907 Employees 103 Primary Regulator FDIC Assets and Liabilities Assets $325.47 million Loans $258.10 million Deposits $263.83 million Equity Capital $45.90 million Loan Loss Allowance $3.06 million Unbacked Noncurrent Loans $3.95 million Real Estate Owned $3.91 million Historic Data - March 2011 Assets $326.82 million Equity Capital $45.01 million Loan Loss Allowance $2.66 million Unbacked Noncurrent Loans $3.32 million Real Estate Owned $4.19 million Profit Margin - Quarterly Net Interest Margin 3.76% Return on Assets 0.85% Return on Equity 6.01% Interest Income $3.54 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 March 31, 2012 Claremont Savings Bank had $7.85 million in non-current loans and owned real-estate with $48.96 million in equity and loan loss allowances on hand to cover it. This gives Claremont Savings Bank a Texas Ratio of 16.04% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Claremont Savings Bank held steady from 15.73% as of March 31, 2011 to 16.04% as of March 31, 2012, resulting in a negative change of 1.94%. This indicates that the balance sheet and financial strength for Claremont Savings Bank has held steady in recent periods. Deposit Growth In the past year, Claremont Savings Bank has increased its total deposits by $2.73 million, resulting in 1.04% 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 Claremont Savings Bank 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. Claremont Savings Bank has $325.47 million in assets with $48.96 million in equity, resulting in a capitalization level of 15.04%, which is excellent.

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