Middlesex Federal Savings, F.A.

Middlesex Federal Savings, F.A. is headquartered in Somerville and is the 80^th largest bank in the state of Massachusetts. It is also the 1,876^th largest bank in the nation. It was established in 1890 and as of December of 2012, it had grown to 45 employees at 3 locations. Middlesex Federal Savings, F.A. has a 4-star health rating.

Middlesex Federal Savings, F.A. Checking Account Rates

Middlesex Federal Savings, F.A. Savings Account Rates

Middlesex Federal Savings, F.A. Money Market Rates

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Middlesex Federal Savings, F.A. IRA Rates

Data for Q4 2012

Institution Statistics Middlesex Federal Savings, F.A. OTS # 01452 FDIC Certificate # 28368 BankRate Report View Year Established 1890 Employees 45 Primary Regulator OCC Assets and Liabilities Assets $350.53 million Loans $225.41 million Deposits $266.09 million Equity Capital $35.32 million Loan Loss Allowance $4.00 million Unbacked Noncurrent Loans $4.95 million Real Estate Owned $211,000 Historic Data - December 2011 Assets $354.29 million Equity Capital $35.75 million Loan Loss Allowance $4.08 million Unbacked Noncurrent Loans $18.06 million Real Estate Owned $3.57 million Profit Margin - Quarterly Net Interest Margin 2.46% Return on Assets 0.12% Return on Equity 1.16% Interest Income $12.43 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 December 31, 2012 Middlesex Federal Savings, F.A. had $5.16 million in non-current loans and owned real-estate with $39.32 million in equity and loan loss allowances on hand to cover it. This gives Middlesex Federal Savings, F.A. a Texas Ratio of 13.12% 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 Middlesex Federal Savings, F.A. decreased significantly from 54.30% as of December 31, 2011 to 13.12% as of December 31, 2012, resulting in a positive change of 75.84%.This indicates that the balance sheet and financial strength for Middlesex Federal Savings, F.A. has improved significantly in recent periods. Deposit Growth In the past year, Middlesex Federal Savings, F.A. has decreased its total deposits by -$19.68 million, resulting in -6.89% 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 Middlesex Federal Savings, F.A. has shown is poor. 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. Middlesex Federal Savings, F.A. has $350.53 million in assets with $39.32 million in equity, resulting in a capitalization level of 11.22%, which is above average.

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