Laconia Savings Bank

62 Pleasant Street
Laconia, NH 03246
1.800.832.0912
www.laconiasavings.com

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Laconia Savings Bank is headquartered in Laconia and is the largest bank in the state of New Hampshire. It is also the 621^st largest bank in the nation. It was established in 1831 and as of September of 2011, it had grown to 265 employees at 21 locations. Laconia Savings Bank has a 5-star health rating.

Laconia Savings Bank Routing Number: 211770271

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See Rates for: Checking | Savings | Money Market | CD | IRA

Laconia Savings Bank Checking Account Rates

Apy	Min	Max	Product
0.50%	-	$25k	ECO Friendly Checking
0.10%	$1k	-	Prestige Checking

Laconia Savings Bank Savings Account Rates

Apy	Min	Max	Product
0.20%	$100	-	Variable Rate IRA
0.20%	$100	-	Variable Rate Roth IRA
0.20%	$100	-	Variable Rate Education IRA
0.05%	-	-	Savings

Laconia Savings Bank Money Market Rates

Apy	Min	Max	Product
0.35%	$50k	-	Prestige Money Market
0.25%	$50k	-	Premier Money Market

Laconia Savings Bank CD Rates

Apy	Min	Max	Product
1.45%	$500	-	5 Year Prestige CD
1.35%	$500	-	5 Year CD
1.20%	$500	-	4 Year Prestige CD
1.10%	$500	-	4 Year CD
0.90%	$500	-	3 Year Prestige CD
0.80%	$500	-	3 Year CD
0.70%	$500	-	2 Year Prestige CD
0.60%	$500	-	2 Year CD
0.40%	$500	-	1 Year Prestige CD
0.30%	$500	-	1 Year CD
0.30%	$500	-	6 Month Prestige CD
0.20%	$500	-	6 Month CD

Laconia Savings Bank IRA Rates

Apy	Min	Max	Product
1.45%	$500	-	5 Year Prestige Education IRA
1.45%	$500	-	5 Year Prestige IRA
1.45%	$500	-	5 Year Prestige Roth IRA
1.35%	$500	-	5 Year Education IRA
1.35%	$500	-	5 Year Roth IRA
1.35%	$500	-	5 Year IRA
1.20%	$500	-	4 Year Prestige Education IRA
1.20%	$500	-	4 Year Prestige IRA
1.20%	$500	-	4 Year Prestige Roth IRA
1.10%	$500	-	4 Year Education IRA
1.10%	$500	-	4 Year Roth IRA
1.10%	$500	-	4 Year IRA
0.90%	$500	-	3 Year Prestige Education IRA
0.90%	$500	-	3 Year Prestige IRA
0.90%	$500	-	3 Year Prestige Roth IRA
0.80%	$500	-	3 Year Education IRA
0.80%	$500	-	3 Year Roth IRA
0.80%	$500	-	3 Year IRA
0.70%	$500	-	2 Year Prestige Education IRA
0.70%	$500	-	2 Year Prestige IRA
0.70%	$500	-	2 Year Prestige Roth IRA
0.60%	$500	-	2 Year Education IRA
0.60%	$500	-	2 Year Roth IRA
0.60%	$500	-	2 Year IRA
0.40%	$500	-	1 Year Prestige Education IRA
0.40%	$500	-	1 Year Prestige IRA
0.40%	$500	-	1 Year Prestige Roth IRA
0.30%	$500	-	1 Year Education IRA
0.30%	$500	-	1 Year Roth IRA
0.30%	$500	-	1 Year IRA
0.30%	$500	-	6 Month Prestige Education IRA
0.30%	$500	-	6 Month Prestige IRA
0.30%	$500	-	6 Month Prestige Roth IRA
0.20%	$500	-	6 Month Education IRA
0.20%	$500	-	6 Month Roth IRA
0.20%	$500	-	6 Month IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

Laconia Savings Bank
FDIC Certificate #	18012
BankRate Report	View
Year Established	1831
Employees	265
Primary Regulator	FDIC
Assets and Liabilities
Assets	$1.08 billion
Loans	$713.98 million
Deposits	$866.63 million
Equity Capital	$116.82 million
Loan Loss Allowance	$10.38 million
Unbacked Noncurrent Loans	$4.49 million
Real Estate Owned	$427,000
Historic Data - September 2010
Assets	$1.05 billion
Equity Capital	$109.21 million
Loan Loss Allowance	$10.51 million
Unbacked Noncurrent Loans	$10.18 million
Real Estate Owned	$1.05 million
Profit Margin - Quarterly
Net Interest Margin	3.84%
Return on Assets	0.63%
Return on Equity	5.95%
Interest Income	$34.30 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 September 30, 2011 Laconia Savings Bank had $4.92 million in non-current loans and owned real-estate with $127.2 million in equity and loan loss allowances on hand to cover it. This gives Laconia Savings Bank a Texas Ratio of 3.87% 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 Laconia Savings Bank decreased significantly from 9.27% as of September 30, 2010 to 3.87% as of September 30, 2011, resulting in a positive change of 58.28%.This indicates that the balance sheet and financial strength for Laconia Savings Bank has improved significantly in recent periods.
Deposit Growth
In the past year, Laconia Savings Bank has increased its total deposits by $11.06 million, resulting in 1.29% 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 Laconia 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. Laconia Savings Bank has $1.08 billion in assets with $127.2 million in equity, resulting in a capitalization level of 11.81%, which is above average.

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