Newburyport Five Cents Savings Bank

Newburyport Five Cents Savings Bank is headquartered in Newburyport and is the 43^rd largest bank in the state of Massachusetts. It is also the 1,057^th largest bank in the nation. It was established in 1854 and as of March of 2012, it had grown to 96 employees at 7 locations. Newburyport Five Cents Savings Bank has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Newburyport Five Cents Savings Bank FDIC Certificate # 90251 BankRate Report View Year Established 1854 Employees 96 Primary Regulator FDIC Assets and Liabilities Assets $627.89 million Loans $481.55 million Deposits $458.91 million Equity Capital $100.73 million Loan Loss Allowance $4.95 million Unbacked Noncurrent Loans $5.27 million Historic Data - March 2011 Assets $623.27 million Equity Capital $96.25 million Loan Loss Allowance $4.79 million Unbacked Noncurrent Loans $3.85 million Profit Margin - Quarterly Net Interest Margin 3.68% Return on Assets 0.76% Return on Equity 4.84% Interest Income $7.36 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 Newburyport Five Cents Savings Bank had $5.26 million in non-current loans and owned real-estate with $105.68 million in equity and loan loss allowances on hand to cover it. This gives Newburyport Five Cents Savings Bank a Texas Ratio of 4.98% 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 Newburyport Five Cents Savings Bank held steady from 3.81% as of March 31, 2011 to 4.98% as of March 31, 2012, resulting in a negative change of 30.71%. This indicates that the balance sheet and financial strength for Newburyport Five Cents Savings Bank has held steady in recent periods. Deposit Growth In the past year, Newburyport Five Cents Savings Bank has increased its total deposits by $10.28 million, resulting in 2.29% 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 Newburyport Five Cents 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. Newburyport Five Cents Savings Bank has $627.89 million in assets with $105.68 million in equity, resulting in a capitalization level of 16.83%, which is excellent.

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