Savings Institute Bank & Trust

Savings Institute Bank & Trust is headquartered in Willimantic and is the 12^st largest bank in the state of Connecticut. It is also the 717^st largest bank in the nation. It was established in 1842 and as of September of 2011, it had grown to 264 employees at 21 locations. Savings Institute Bank & Trust has a 4-star health rating.

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Data for Q3 2011

Institution Statistics Savings Institute Bank and Trust Company OTS # 17978 FDIC Certificate # 18214 BankRate Report View Year Established 1842 Employees 264 Primary Regulator OCC Assets and Liabilities Assets $927.46 million Loans $617.41 million Deposits $704.98 million Equity Capital $106.07 million Loan Loss Allowance $4.30 million Unbacked Noncurrent Loans $8.42 million Real Estate Owned $1.07 million Historic Data - September 2010 Assets $879.56 million Equity Capital $76.56 million Loan Loss Allowance $4.55 million Unbacked Noncurrent Loans $3.68 million Real Estate Owned $2.26 million Profit Margin - Quarterly Net Interest Margin 3.05% Return on Assets 0.3% Return on Equity 2.8% Interest Income $28.34 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 Savings Institute Bank & Trust had $9.49 million in non-current loans and owned real-estate with $110.37 million in equity and loan loss allowances on hand to cover it. This gives Savings Institute Bank & Trust a Texas Ratio of 8.60% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Savings Institute Bank & Trust held steady from 9.64% as of September 30, 2010 to 8.60% as of September 30, 2011, resulting in a positive change of 10.83%.This indicates that the balance sheet and financial strength for Savings Institute Bank & Trust has held steady in recent periods. Deposit Growth In the past year, Savings Institute Bank & Trust has increased its total deposits by $28.86 million, resulting in 4.27% 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 Savings Institute Bank & Trust 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. Savings Institute Bank & Trust has $927.46 million in assets with $110.37 million in equity, resulting in a capitalization level of 11.90%, which is above average.

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