Monroe Savings Bank, SLA

Monroe Savings Bank, SLA is headquartered in Williamstown and is the 108^th largest bank in the state of New Jersey. It is also the 5,115^st largest bank in the nation. It was established in 1870 and as of March of 2012, it had grown to 18 employees at 3 locations. Monroe Savings Bank, SLA's savings rates are 25% higher than the national average, and it has a 3-star health rating.

Monroe Savings Bank, SLA Checking Account Rates

Monroe Savings Bank, SLA Savings Account Rates

Monroe Savings Bank, SLA Money Market Rates

Monroe Savings Bank, SLA CD Rates

Data for Q1 2012

Institution Statistics Monroe Savings Bank, SLA OTS # 04752 FDIC Certificate # 30103 BankRate Report View Year Established 1870 Employees 18 Primary Regulator OCC Assets and Liabilities Assets $93.83 million Loans $57.43 million Deposits $71.94 million Equity Capital $10.24 million Loan Loss Allowance $659,000 Unbacked Noncurrent Loans $2.06 million Real Estate Owned $652,000 Historic Data - March 2011 Assets $92.09 million Equity Capital $9.73 million Loan Loss Allowance $565,000 Unbacked Noncurrent Loans $716,000 Real Estate Owned $505,000 Profit Margin - Quarterly Net Interest Margin 3.4% Return on Assets 0.34% Return on Equity 3.06% Interest Income $1.12 million

Institution Health Overall Score: 3 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 Monroe Savings Bank, SLA had $2.71 million in non-current loans and owned real-estate with $10.9 million in equity and loan loss allowances on hand to cover it. This gives Monroe Savings Bank, SLA a Texas Ratio of 24.91% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Monroe Savings Bank, SLA increased slightly from 11.86% as of March 31, 2011 to 24.91% as of March 31, 2012, resulting in a negative change of 110.10%. This indicates that the balance sheet and financial strength for Monroe Savings Bank, SLA has declined slightly in recent periods. Deposit Growth In the past year, Monroe Savings Bank, SLA has increased its total deposits by $1.31 million, resulting in 1.85% 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 Monroe Savings Bank, SLA 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. Monroe Savings Bank, SLA has $93.83 million in assets with $10.9 million in equity, resulting in a capitalization level of 11.61%, which is above average.

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