Franklin Savings Bank

Franklin Savings Bank is headquartered in Franklin and is the 11^st largest bank in the state of New Hampshire. It is also the 1,803^rd largest bank in the nation. It was established in 1869 and as of December of 2012, it had grown to 96 employees at 8 locations. Franklin Savings Bank's savings rates are 3X the national average, and it has a 4-star health rating.

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Data for Q4 2012

Institution Statistics Franklin Savings Bank FDIC Certificate # 17951 BankRate Report View Year Established 1869 Employees 96 Primary Regulator FDIC Assets and Liabilities Assets $365.66 million Loans $240.76 million Deposits $276.95 million Equity Capital $40.47 million Loan Loss Allowance $1.55 million Unbacked Noncurrent Loans $4.85 million Real Estate Owned $603,000 Historic Data - December 2011 Assets $356.82 million Equity Capital $38.96 million Loan Loss Allowance $1.67 million Unbacked Noncurrent Loans $5.16 million Real Estate Owned $640,000 Profit Margin - Quarterly Net Interest Margin 3.27% Return on Assets 0.47% Return on Equity 4.31% Interest Income $14.21 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, 2012 Franklin Savings Bank had $5.45 million in non-current loans and owned real-estate with $42.02 million in equity and loan loss allowances on hand to cover it. This gives Franklin Savings Bank a Texas Ratio of 12.98% 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 Franklin Savings Bank held steady from 14.39% as of December 31, 2011 to 12.98% as of December 31, 2012, resulting in a positive change of 9.81%.This indicates that the balance sheet and financial strength for Franklin Savings Bank has held steady in recent periods. Deposit Growth In the past year, Franklin Savings Bank has increased its total deposits by $8.34 million, resulting in 3.1% 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 Franklin 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. Franklin Savings Bank has $365.66 million in assets with $42.02 million in equity, resulting in a capitalization level of 11.49%, which is above average.

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