Sanford Institution for Savings

Sanford Institution for Savings is headquartered in Sanford and is the 18^st largest bank in the state of Maine. It is also the 1,537^th largest bank in the nation. It was established in 1933 and as of March of 2012, it had grown to 109 employees at 8 locations. Sanford Institution for Savings has a 5-star health rating.

Sanford Institution for Savings Checking Account Rates

Sanford Institution for Savings Savings Account Rates

Sanford Institution for Savings Money Market Rates

Sanford Institution for Savings CD Rates

Data for Q1 2012

Institution Statistics Sanford Institution for Savings FDIC Certificate # 17115 BankRate Report View Year Established 1933 Employees 109 Primary Regulator FDIC Assets and Liabilities Assets $433.77 million Loans $353.47 million Deposits $326.07 million Equity Capital $43.33 million Loan Loss Allowance $4.53 million Unbacked Noncurrent Loans $2.96 million Real Estate Owned $50,000 Historic Data - March 2011 Assets $422.55 million Equity Capital $42.10 million Loan Loss Allowance $3.93 million Unbacked Noncurrent Loans $6.54 million Profit Margin - Quarterly Net Interest Margin 3.79% Return on Assets 0.78% Return on Equity 7.86% Interest Income $5.02 million

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 Sanford Institution for Savings had $3.01 million in non-current loans and owned real-estate with $47.85 million in equity and loan loss allowances on hand to cover it. This gives Sanford Institution for Savings a Texas Ratio of 6.30% 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 Sanford Institution for Savings decreased significantly from 14.72% as of March 31, 2011 to 6.30% as of March 31, 2012, resulting in a positive change of 57.21%.This indicates that the balance sheet and financial strength for Sanford Institution for Savings has improved significantly in recent periods. Deposit Growth In the past year, Sanford Institution for Savings has increased its total deposits by $15.22 million, resulting in 4.9% 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 Sanford Institution for Savings 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. Sanford Institution for Savings has $433.77 million in assets with $47.85 million in equity, resulting in a capitalization level of 11.03%, which is above average.

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