Saratoga National Bank and Trust

Saratoga National Bank and Trust is headquartered in Saratoga Springs and is the 102^nd largest bank in the state of New York. It is also the 2,144^th largest bank in the nation. It was established in 1988 and as of March of 2012, it had grown to 40 employees at 6 locations. Saratoga National Bank and Trust has a 5-star health rating.

Data for Q1 2012

Institution Statistics Saratoga National Bank and Trust FDIC Certificate # 27290 BankRate Report View Year Established 1988 Employees 40 Primary Regulator OCC Assets and Liabilities Assets $304.92 million Loans $200.89 million Deposits $263.78 million Equity Capital $28.74 million Loan Loss Allowance $2.74 million Unbacked Noncurrent Loans $2.19 million Historic Data - March 2011 Assets $302.38 million Equity Capital $27.33 million Loan Loss Allowance $2.68 million Unbacked Noncurrent Loans $2.26 million Profit Margin - Quarterly Net Interest Margin 3.23% Return on Assets 1.07% Return on Equity 11.25% Interest Income $2.81 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 Saratoga National Bank and Trust had $2.19 million in non-current loans and owned real-estate with $31.47 million in equity and loan loss allowances on hand to cover it. This gives Saratoga National Bank and Trust a Texas Ratio of 6.95% 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 Saratoga National Bank and Trust held steady from 7.52% as of March 31, 2011 to 6.95% as of March 31, 2012, resulting in a positive change of 7.63%.This indicates that the balance sheet and financial strength for Saratoga National Bank and Trust has held steady in recent periods. Deposit Growth In the past year, Saratoga National Bank and Trust has increased its total deposits by $17.74 million, resulting in 7.21% 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 Saratoga National Bank and Trust 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. Saratoga National Bank and Trust has $304.92 million in assets with $31.47 million in equity, resulting in a capitalization level of 10.32%, which is above average.

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