Quinnipiac Bank & Trust Company

Quinnipiac Bank & Trust Company is headquartered in Hamden and is the 47^th largest bank in the state of Connecticut. It is also the 5,360^th largest bank in the nation. It was established in 2008 and as of March of 2012, it had grown to 17 employees at 1 location. Quinnipiac Bank & Trust Company has a 5-star health rating.

Data for Q1 2012

Institution Statistics Quinnipiac Bank & Trust Company FDIC Certificate # 58785 BankRate Report View Year Established 2008 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $84.56 million Loans $64.29 million Deposits $75.32 million Equity Capital $9.02 million Loan Loss Allowance $842,000 Unbacked Noncurrent Loans $43,000 Historic Data - March 2011 Assets $64.42 million Equity Capital $7.09 million Loan Loss Allowance $628,000 Unbacked Noncurrent Loans $46,000 Profit Margin - Quarterly Net Interest Margin 4.58% Return on Assets 0.44% Return on Equity 3.92% Interest Income $998,000

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 Quinnipiac Bank & Trust Company had $43,000 in non-current loans and owned real-estate with $9.86 million in equity and loan loss allowances on hand to cover it. This gives Quinnipiac Bank & Trust Company a Texas Ratio of 0.44% 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 Quinnipiac Bank & Trust Company decreased slightly from 0.60% as of March 31, 2011 to 0.44% as of March 31, 2012, resulting in a positive change of 26.83%.This indicates that the balance sheet and financial strength for Quinnipiac Bank & Trust Company has improved slightly in recent periods. Deposit Growth In the past year, Quinnipiac Bank & Trust Company has increased its total deposits by $18.18 million, resulting in 31.81% 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 Quinnipiac 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. Quinnipiac Bank & Trust Company has $84.56 million in assets with $9.86 million in equity, resulting in a capitalization level of 11.67%, which is above average.

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