Salisbury Bank

Salisbury Bank is headquartered in Lakeville and is the 21^st largest bank in the state of Connecticut. It is also the 1,076^th largest bank in the nation. It was established in 1874 and as of September of 2011, it had grown to 123 employees at 8 locations. Salisbury Bank's savings rates are 44% higher than the national average, and it has a 4-star health rating.

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Data for Q3 2011

Institution Statistics Salisbury Bank and Trust Company FDIC Certificate # 18467 BankRate Report View Year Established 1874 Employees 123 Primary Regulator FDIC Assets and Liabilities Assets $617.82 million Loans $363.94 million Deposits $487.79 million Equity Capital $57.10 million Loan Loss Allowance $4.03 million Unbacked Noncurrent Loans $13.41 million Real Estate Owned $112,000 Historic Data - September 2010 Assets $582.62 million Equity Capital $47.81 million Loan Loss Allowance $3.85 million Unbacked Noncurrent Loans $10.92 million Real Estate Owned $75,000 Profit Margin - Quarterly Net Interest Margin 3.37% Return on Assets 0.65% Return on Equity 7.8% Interest Income $17.97 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 September 30, 2011 Salisbury Bank had $13.52 million in non-current loans and owned real-estate with $61.13 million in equity and loan loss allowances on hand to cover it. This gives Salisbury Bank a Texas Ratio of 22.12% 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 Salisbury Bank held steady from 21.04% as of September 30, 2010 to 22.12% as of September 30, 2011, resulting in a negative change of 5.10%. This indicates that the balance sheet and financial strength for Salisbury Bank has held steady in recent periods. Deposit Growth In the past year, Salisbury Bank has increased its total deposits by $47.78 million, resulting in 10.86% 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 Salisbury 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. Salisbury Bank has $617.82 million in assets with $61.13 million in equity, resulting in a capitalization level of 9.89%, which is average.