InsurBanc

InsurBanc is headquartered in Farmington and is the 40^th largest bank in the state of Connecticut. It is also the 3,402^nd largest bank in the nation. It was established in 2001 and as of March of 2012, it had grown to 19 employees at 1 location. InsurBanc has a 5-star health rating.

InsurBanc Routing Number: 011175212

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Data for Q1 2012

Institution Statistics InsurBanc OTS # 15686 FDIC Certificate # 57020 BankRate Report View Year Established 2001 Employees 19 Primary Regulator OCC Assets and Liabilities Assets $179.39 million Loans $81.01 million Deposits $140.43 million Equity Capital $20.40 million Loan Loss Allowance $1.30 million Unbacked Noncurrent Loans $1.83 million Historic Data - March 2011 Assets $170.88 million Equity Capital $20.03 million Loan Loss Allowance $949,000 Unbacked Noncurrent Loans $3.57 million Profit Margin - Quarterly Net Interest Margin 2.57% Return on Assets 0.16% Return on Equity 1.36% Interest Income $1.42 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 InsurBanc had $1.83 million in non-current loans and owned real-estate with $21.7 million in equity and loan loss allowances on hand to cover it. This gives InsurBanc a Texas Ratio of 8.44% 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 InsurBanc decreased significantly from 17.03% as of March 31, 2011 to 8.44% as of March 31, 2012, resulting in a positive change of 50.45%.This indicates that the balance sheet and financial strength for InsurBanc has improved significantly in recent periods. Deposit Growth In the past year, InsurBanc has increased its total deposits by $8.67 million, resulting in 6.58% 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 InsurBanc 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. InsurBanc has $179.39 million in assets with $21.7 million in equity, resulting in a capitalization level of 12.10%, which is excellent.

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