Rhinebeck Savings Bank

Rhinebeck Savings Bank is headquartered in Rhinebeck and is the 76^th largest bank in the state of New York. It is also the 1,171^st largest bank in the nation. It was established in 1860 and as of March of 2012, it had grown to 145 employees at 12 locations. Rhinebeck Savings Bank has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Rhinebeck Bank FDIC Certificate # 16032 BankRate Report View Year Established 1860 Employees 145 Primary Regulator FDIC Assets and Liabilities Assets $578.00 million Loans $396.19 million Deposits $477.02 million Equity Capital $50.91 million Loan Loss Allowance $4.00 million Unbacked Noncurrent Loans $12.44 million Real Estate Owned $1.62 million Historic Data - March 2011 Assets $530.93 million Equity Capital $49.31 million Loan Loss Allowance $6.43 million Unbacked Noncurrent Loans $16.17 million Real Estate Owned $1.06 million Profit Margin - Quarterly Net Interest Margin 4.29% Return on Assets 0.63% Return on Equity 7.16% Interest Income $6.37 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 Rhinebeck Savings Bank had $14.06 million in non-current loans and owned real-estate with $54.91 million in equity and loan loss allowances on hand to cover it. This gives Rhinebeck Savings Bank a Texas Ratio of 25.60% 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 Rhinebeck Savings Bank decreased slightly from 30.90% as of March 31, 2011 to 25.60% as of March 31, 2012, resulting in a positive change of 17.17%.This indicates that the balance sheet and financial strength for Rhinebeck Savings Bank has improved slightly in recent periods. Deposit Growth In the past year, Rhinebeck Savings Bank has increased its total deposits by $32.63 million, resulting in 7.34% 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 Rhinebeck Savings Bank 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. Rhinebeck Savings Bank has $578 million in assets with $54.91 million in equity, resulting in a capitalization level of 9.50%, which is average.

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