Rockland Savings Bank, FSB

Rockland Savings Bank, FSB is headquartered in Rockland and is the 25^th largest bank in the state of Maine. It is also the 5,401^st largest bank in the nation. It was established in 1888 and as of March of 2012, it had grown to 26 employees at 2 locations. Rockland Savings Bank, FSB has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Rockland Savings Bank, FSB OTS # 01454 FDIC Certificate # 28369 BankRate Report View Year Established 1888 Employees 26 Primary Regulator OCC Assets and Liabilities Assets $83.02 million Loans $70.55 million Deposits $69.24 million Equity Capital $11.12 million Loan Loss Allowance $1.33 million Unbacked Noncurrent Loans $1.97 million Historic Data - March 2011 Assets $81.42 million Equity Capital $10.97 million Loan Loss Allowance $842,000 Unbacked Noncurrent Loans $825,000 Real Estate Owned $239,000 Profit Margin - Quarterly Net Interest Margin 3.68% Return on Assets 0.35% Return on Equity 2.63% Interest Income $970,000

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 Rockland Savings Bank, FSB had $1.97 million in non-current loans and owned real-estate with $12.46 million in equity and loan loss allowances on hand to cover it. This gives Rockland Savings Bank, FSB a Texas Ratio of 15.79% 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 Rockland Savings Bank, FSB increased slightly from 9.01% as of March 31, 2011 to 15.79% as of March 31, 2012, resulting in a negative change of 75.33%. This indicates that the balance sheet and financial strength for Rockland Savings Bank, FSB has declined slightly in recent periods. Deposit Growth In the past year, Rockland Savings Bank, FSB has increased its total deposits by $3.18 million, resulting in 4.82% 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 Rockland Savings Bank, FSB has shown is above 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. Rockland Savings Bank, FSB has $83.02 million in assets with $12.46 million in equity, resulting in a capitalization level of 15.00%, which is excellent.

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