Georgetown Savings Bank

Georgetown Savings Bank is headquartered in Georgetown and is the 114^st largest bank in the state of Massachusetts. It is also the 3,048^th largest bank in the nation. It was established in 1868 and as of March of 2012, it had grown to 46 employees at 3 locations. Georgetown Savings Bank has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Georgetown Savings Bank OTS # 17986 FDIC Certificate # 90202 BankRate Report View Year Established 1868 Employees 46 Primary Regulator OCC Assets and Liabilities Assets $205.76 million Loans $156.62 million Deposits $156.80 million Equity Capital $19.43 million Loan Loss Allowance $1.70 million Unbacked Noncurrent Loans $2.03 million Real Estate Owned $30,000 Historic Data - March 2011 Assets $206.24 million Equity Capital $18.41 million Loan Loss Allowance $1.67 million Unbacked Noncurrent Loans $698,000 Real Estate Owned $53,000 Profit Margin - Quarterly Net Interest Margin 3.85% Return on Assets 0.31% Return on Equity 3.27% Interest Income $2.32 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 Georgetown Savings Bank had $2.06 million in non-current loans and owned real-estate with $21.12 million in equity and loan loss allowances on hand to cover it. This gives Georgetown Savings Bank a Texas Ratio of 9.76% 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 Georgetown Savings Bank increased slightly from 3.74% as of March 31, 2011 to 9.76% as of March 31, 2012, resulting in a negative change of 160.88%. This indicates that the balance sheet and financial strength for Georgetown Savings Bank has declined slightly in recent periods. Deposit Growth In the past year, Georgetown Savings Bank has increased its total deposits by $5.31 million, resulting in 3.5% 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 Georgetown 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. Georgetown Savings Bank has $205.76 million in assets with $21.12 million in equity, resulting in a capitalization level of 10.27%, which is above average.

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