Prudential Bank & Trust, FSB

Prudential Bank & Trust, FSB is headquartered in Hartford and is the 6^th largest bank in the state of Connecticut. It is also the 353^rd largest bank in the nation. It was established in 1989 and as of March of 2012, it had grown to 32 employees at 1 location. Prudential Bank & Trust, FSB has a 5-star health rating.

Data for Q1 2012

Institution Statistics Prudential Bank & Trust, FSB OTS # 08672 FDIC Certificate # 32957 BankRate Report View Year Established 1989 Employees 32 Primary Regulator OCC Assets and Liabilities Assets $1.99 billion Deposits $1.69 billion Equity Capital $248.00 million Historic Data - March 2011 Assets $1.99 billion Equity Capital $198.32 million Profit Margin - Quarterly Net Interest Margin 2.68% Return on Assets 1.33% Return on Equity 10.99% Interest Income $15.88 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 Prudential Bank & Trust, FSB had $0 in non-current loans and owned real-estate with $248 million in equity and loan loss allowances on hand to cover it. This gives Prudential Bank & Trust, FSB a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Prudential Bank & Trust, FSB has increased its total deposits by $80.97 million, resulting in 5.04% 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 Prudential Bank & Trust, FSB 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. Prudential Bank & Trust, FSB has $1.99 billion in assets with $248 million in equity, resulting in a capitalization level of 12.44%, which is excellent.

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