Putnam County Savings Bank

Putnam County Savings Bank is headquartered in Brewster and is the 47^th largest bank in the state of New York. It is also the 679^th largest bank in the nation. It was established in 1871 and as of March of 2012, it had grown to 130 employees at 9 locations. Putnam County Savings Bank has a 3-star health rating.

Putnam County Savings Bank Routing Number: 221970980

Data for Q1 2012

Institution Statistics Putnam County Savings Bank FDIC Certificate # 15995 BankRate Report View Year Established 1871 Employees 130 Primary Regulator FDIC Assets and Liabilities Assets $967.99 million Loans $464.95 million Deposits $853.97 million Equity Capital $107.75 million Loan Loss Allowance $4.99 million Unbacked Noncurrent Loans $24.51 million Real Estate Owned $133,000 Historic Data - March 2011 Assets $969.57 million Equity Capital $105.43 million Loan Loss Allowance $4.87 million Unbacked Noncurrent Loans $6.16 million Real Estate Owned $133,000 Profit Margin - Quarterly Net Interest Margin 2.5% Return on Assets 0.31% Return on Equity 2.75% Interest Income $7.36 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 Putnam County Savings Bank had $24.64 million in non-current loans and owned real-estate with $112.73 million in equity and loan loss allowances on hand to cover it. This gives Putnam County Savings Bank a Texas Ratio of 21.86% 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 Putnam County Savings Bank increased slightly from 5.70% as of March 31, 2011 to 21.86% as of March 31, 2012, resulting in a negative change of 283.23%. This indicates that the balance sheet and financial strength for Putnam County Savings Bank has declined slightly in recent periods. Deposit Growth In the past year, Putnam County Savings Bank has decreased its total deposits by $-760,000, resulting in -0.09% 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 Putnam County Savings Bank has shown is 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. Putnam County Savings Bank has $967.99 million in assets with $112.73 million in equity, resulting in a capitalization level of 11.65%, which is above average.

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