Martha's Vineyard Savings Bank

Martha's Vineyard Savings Bank is headquartered in Edgartown and is the 57^th largest bank in the state of Massachusetts. It is also the 1,331^st largest bank in the nation. It was established in 1955 and as of March of 2012, it had grown to 89 employees at 8 locations. Martha's Vineyard Savings Bank has a 5-star health rating.

Martha's Vineyard Savings Bank Routing Number: 211372925

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Data for Q1 2012

Institution Statistics Martha's Vineyard Savings Bank FDIC Certificate # 90190 BankRate Report View Year Established 1955 Employees 89 Primary Regulator FDIC Assets and Liabilities Assets $510.29 million Loans $395.44 million Deposits $414.94 million Equity Capital $66.35 million Loan Loss Allowance $3.23 million Unbacked Noncurrent Loans $5.14 million Historic Data - March 2011 Assets $492.51 million Equity Capital $62.84 million Loan Loss Allowance $3.08 million Unbacked Noncurrent Loans $4.91 million Profit Margin - Quarterly Net Interest Margin 3.97% Return on Assets 0.91% Return on Equity 7.12% Interest Income $5.64 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 Martha's Vineyard Savings Bank had $5.14 million in non-current loans and owned real-estate with $69.58 million in equity and loan loss allowances on hand to cover it. This gives Martha's Vineyard Savings Bank a Texas Ratio of 7.38% 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 Martha's Vineyard Savings Bank held steady from 7.45% as of March 31, 2011 to 7.38% as of March 31, 2012, resulting in a positive change of 0.88%.This indicates that the balance sheet and financial strength for Martha's Vineyard Savings Bank has held steady in recent periods. Deposit Growth In the past year, Martha's Vineyard Savings Bank has increased its total deposits by $14.26 million, resulting in 3.56% 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 Martha's Vineyard 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. Martha's Vineyard Savings Bank has $510.29 million in assets with $69.58 million in equity, resulting in a capitalization level of 13.64%, which is excellent.

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