Millville Savings and Loan Association

Millville Savings and Loan Association is headquartered in Millville and is the 94^th largest bank in the state of New Jersey. It is also the 3,868^th largest bank in the nation. It was established in 1941 and as of March of 2012, it had grown to 11 employees at 2 locations. Millville Savings and Loan Association's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Millville Savings and Loan Association Checking Account Rates

Millville Savings and Loan Association Savings Account Rates

Millville Savings and Loan Association Money Market Rates

Millville Savings and Loan Association CD Rates

Millville Savings and Loan Association IRA Rates

Data for Q1 2012

Institution Statistics Millville Savings and Loan Association OTS # 04903 FDIC Certificate # 30183 BankRate Report View Year Established 1941 Employees 11 Primary Regulator FDIC Assets and Liabilities Assets $150.19 million Loans $35.62 million Deposits $132.93 million Equity Capital $16.48 million Loan Loss Allowance $1.38 million Unbacked Noncurrent Loans $1.01 million Historic Data - March 2011 Assets $138.57 million Equity Capital $14.82 million Loan Loss Allowance $1.17 million Unbacked Noncurrent Loans $1.30 million Real Estate Owned $168,000 Profit Margin - Quarterly Net Interest Margin 1.88% Return on Assets 0.3% Return on Equity 2.71% Interest Income $1.11 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 Millville Savings and Loan Association had $1.01 million in non-current loans and owned real-estate with $17.86 million in equity and loan loss allowances on hand to cover it. This gives Millville Savings and Loan Association a Texas Ratio of 5.67% 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 Millville Savings and Loan Association decreased slightly from 9.21% as of March 31, 2011 to 5.67% as of March 31, 2012, resulting in a positive change of 38.38%.This indicates that the balance sheet and financial strength for Millville Savings and Loan Association has improved slightly in recent periods. Deposit Growth In the past year, Millville Savings and Loan Association has increased its total deposits by $9.86 million, resulting in 8.01% 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 Millville Savings and Loan Association 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. Millville Savings and Loan Association has $150.18 million in assets with $17.86 million in equity, resulting in a capitalization level of 11.89%, which is above average.

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