North Brookfield Savings Bank

North Brookfield Savings Bank is headquartered in North Brookfield and is the 115^st largest bank in the state of Massachusetts. It is also the 3,157^th largest bank in the nation. It was established in 1854 and as of March of 2012, it had grown to 49 employees at 4 locations. North Brookfield Savings Bank's savings rates are 10X the national average, and it has a 4-star health rating.

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Data for Q1 2012

Institution Statistics North Brookfield Savings Bank FDIC Certificate # 90258 BankRate Report View Year Established 1854 Employees 49 Primary Regulator FED Assets and Liabilities Assets $197.28 million Loans $99.49 million Deposits $167.60 million Equity Capital $26.86 million Loan Loss Allowance $728,000 Unbacked Noncurrent Loans $2.03 million Real Estate Owned $714,000 Historic Data - March 2011 Assets $193.06 million Equity Capital $25.62 million Loan Loss Allowance $849,000 Unbacked Noncurrent Loans $794,000 Real Estate Owned $962,000 Profit Margin - Quarterly Net Interest Margin 3.49% Return on Assets 0.81% Return on Equity 6% Interest Income $1.85 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 March 31, 2012 North Brookfield Savings Bank had $2.74 million in non-current loans and owned real-estate with $27.58 million in equity and loan loss allowances on hand to cover it. This gives North Brookfield Savings Bank a Texas Ratio of 9.94% 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 North Brookfield Savings Bank held steady from 6.63% as of March 31, 2011 to 9.94% as of March 31, 2012, resulting in a negative change of 49.78%. This indicates that the balance sheet and financial strength for North Brookfield Savings Bank has held steady in recent periods. Deposit Growth In the past year, North Brookfield Savings Bank has increased its total deposits by $1.98 million, resulting in 1.19% 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 North Brookfield 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. North Brookfield Savings Bank has $197.28 million in assets with $27.58 million in equity, resulting in a capitalization level of 13.98%, which is excellent.

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