Darien Rowayton Bank

Darien Rowayton Bank is headquartered in Darien and is the 38^th largest bank in the state of Connecticut. It is also the 3,003^rd largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 33 employees at 2 locations. Darien Rowayton Bank's money market rates are 14% higher than the national average, and it has a 4-star health rating.

Darien Rowayton Bank Routing Number: 021114111

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Data for Q1 2012

Institution Statistics Darien Rowayton Bank FDIC Certificate # 58257 BankRate Report View Year Established 2006 Employees 33 Primary Regulator FDIC Assets and Liabilities Assets $210.00 million Loans $165.63 million Deposits $165.87 million Equity Capital $16.93 million Loan Loss Allowance $1.90 million Unbacked Noncurrent Loans $1.25 million Real Estate Owned $323,000 Historic Data - March 2011 Assets $148.61 million Equity Capital $11.68 million Loan Loss Allowance $1.61 million Unbacked Noncurrent Loans $3.54 million Real Estate Owned $323,000 Profit Margin - Quarterly Net Interest Margin 3.09% Return on Assets 0.74% Return on Equity 9.3% Interest Income $1.95 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 Darien Rowayton Bank had $1.57 million in non-current loans and owned real-estate with $18.83 million in equity and loan loss allowances on hand to cover it. This gives Darien Rowayton Bank a Texas Ratio of 8.35% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Darien Rowayton Bank decreased significantly from 29.07% as of March 31, 2011 to 8.35% as of March 31, 2012, resulting in a positive change of 71.28%.This indicates that the balance sheet and financial strength for Darien Rowayton Bank has improved significantly in recent periods. Deposit Growth In the past year, Darien Rowayton Bank has increased its total deposits by $44.74 million, resulting in 36.94% 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 Darien Rowayton 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. Darien Rowayton Bank has $210 million in assets with $18.83 million in equity, resulting in a capitalization level of 8.97%, which is average.

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