Community Guaranty Savings Bank

Community Guaranty Savings Bank is headquartered in Plymouth and is the 22^nd largest bank in the state of New Hampshire. It is also the 4,796^th largest bank in the nation. It was established in 1988 and as of March of 2012, it had grown to 32 employees at 2 locations. Community Guaranty Savings Bank's savings rates are 5X the national average, and it boasts a 5-star health rating.

Community Guaranty Savings Bank Checking Account Rates

Community Guaranty Savings Bank Savings Account Rates

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Data for Q1 2012

Institution Statistics Community Guaranty Savings Bank FDIC Certificate # 27252 BankRate Report View Year Established 1988 Employees 32 Primary Regulator FED Assets and Liabilities Assets $106.10 million Loans $66.99 million Deposits $90.53 million Equity Capital $9.44 million Loan Loss Allowance $656,000 Unbacked Noncurrent Loans $549,000 Real Estate Owned $15,000 Historic Data - March 2011 Assets $103.68 million Equity Capital $8.57 million Loan Loss Allowance $737,000 Unbacked Noncurrent Loans $1.54 million Real Estate Owned $501,000 Profit Margin - Quarterly Net Interest Margin 3.61% Return on Assets 0.45% Return on Equity 5.08% Interest Income $1.11 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 Community Guaranty Savings Bank had $564,000 in non-current loans and owned real-estate with $10.1 million in equity and loan loss allowances on hand to cover it. This gives Community Guaranty Savings Bank a Texas Ratio of 5.59% 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 Community Guaranty Savings Bank decreased significantly from 21.88% as of March 31, 2011 to 5.59% as of March 31, 2012, resulting in a positive change of 74.48%.This indicates that the balance sheet and financial strength for Community Guaranty Savings Bank has improved significantly in recent periods. Deposit Growth In the past year, Community Guaranty Savings Bank has increased its total deposits by $1.47 million, resulting in 1.66% 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 Community Guaranty 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. Community Guaranty Savings Bank has $106.1 million in assets with $10.1 million in equity, resulting in a capitalization level of 9.52%, which is average.

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