Hingham Institution for Savings

Hingham Institution for Savings is headquartered in Hingham and is the 23^rd largest bank in the state of Massachusetts. It is also the 545^th largest bank in the nation. It was established in 1834 and as of December of 2012, it had grown to 117 employees at 11 locations. Hingham Institution for Savings' money market rates are 14% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2012

Institution Statistics Hingham Institution for Savings FDIC Certificate # 90211 BankRate Report View Year Established 1834 Employees 117 Primary Regulator FDIC Assets and Liabilities Assets $1.21 billion Loans $949.68 million Deposits $873.41 million Equity Capital $92.80 million Loan Loss Allowance $8.00 million Unbacked Noncurrent Loans $2.92 million Real Estate Owned $471,000 Historic Data - December 2011 Assets $1.13 billion Equity Capital $82.27 million Loan Loss Allowance $7.52 million Unbacked Noncurrent Loans $6.75 million Real Estate Owned $3.63 million Profit Margin - Quarterly Net Interest Margin 3.42% Return on Assets 1.14% Return on Equity 15.16% Interest Income $48.83 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 December 31, 2012 Hingham Institution for Savings had $3.39 million in non-current loans and owned real-estate with $100.8 million in equity and loan loss allowances on hand to cover it. This gives Hingham Institution for Savings a Texas Ratio of 3.37% 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 Hingham Institution for Savings decreased significantly from 11.56% as of December 31, 2011 to 3.37% as of December 31, 2012, resulting in a positive change of 70.88%.This indicates that the balance sheet and financial strength for Hingham Institution for Savings has improved significantly in recent periods. Deposit Growth In the past year, Hingham Institution for Savings has increased its total deposits by $82.9 million, resulting in 10.49% 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 Hingham Institution for Savings 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. Hingham Institution for Savings has $1.21 billion in assets with $100.8 million in equity, resulting in a capitalization level of 8.36%, which is average.

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