Optima Bank & Trust Company

Optima Bank & Trust Company is headquartered in Portsmouth and is the 19^st largest bank in the state of New Hampshire. It is also the 2,987^th largest bank in the nation. It was established in 2008 and as of March of 2012, it had grown to 33 employees at 3 locations. Optima Bank & Trust Company has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Optima Bank & Trust Company FDIC Certificate # 58699 BankRate Report View Year Established 2008 Employees 33 Primary Regulator FDIC Assets and Liabilities Assets $211.45 million Loans $141.78 million Deposits $186.41 million Equity Capital $17.10 million Loan Loss Allowance $1.32 million Unbacked Noncurrent Loans $2.48 million Real Estate Owned $331,000 Historic Data - March 2011 Assets $162.06 million Equity Capital $15.22 million Loan Loss Allowance $1.14 million Unbacked Noncurrent Loans $2.91 million Profit Margin - Quarterly Net Interest Margin 3.43% Return on Assets 0.4% Return on Equity 4.8% Interest Income $2.14 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 Optima Bank & Trust Company had $2.81 million in non-current loans and owned real-estate with $18.42 million in equity and loan loss allowances on hand to cover it. This gives Optima Bank & Trust Company a Texas Ratio of 15.28% 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 Optima Bank & Trust Company held steady from 17.80% as of March 31, 2011 to 15.28% as of March 31, 2012, resulting in a positive change of 14.17%.This indicates that the balance sheet and financial strength for Optima Bank & Trust Company has held steady in recent periods. Deposit Growth In the past year, Optima Bank & Trust Company has increased its total deposits by $46.91 million, resulting in 33.63% 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 Optima Bank & Trust Company 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. Optima Bank & Trust Company has $211.45 million in assets with $18.42 million in equity, resulting in a capitalization level of 8.71%, which is average.

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