Savings Bank of Danbury

Savings Bank of Danbury is headquartered in Danbury and is the 15^st largest bank in the state of Connecticut. It is also the 877^th largest bank in the nation. It was established in 1849 and as of December of 2012, it had grown to 167 employees at 13 locations. Savings Bank of Danbury's savings rates are 4X the national average, and it has a 4-star health rating.

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Data for Q4 2012

Institution Statistics Savings Bank of Danbury FDIC Certificate # 15912 BankRate Report View Year Established 1849 Employees 167 Primary Regulator FDIC Assets and Liabilities Assets $767.94 million Loans $636.78 million Deposits $626.19 million Equity Capital $77.48 million Loan Loss Allowance $6.94 million Unbacked Noncurrent Loans $18.71 million Real Estate Owned $4.84 million Historic Data - December 2011 Assets $762.34 million Equity Capital $73.22 million Loan Loss Allowance $6.38 million Unbacked Noncurrent Loans $26.35 million Real Estate Owned $5.17 million Profit Margin - Quarterly Net Interest Margin 3.4% Return on Assets 0.51% Return on Equity 5.11% Interest Income $31.43 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 December 31, 2012 Savings Bank of Danbury had $23.55 million in non-current loans and owned real-estate with $84.42 million in equity and loan loss allowances on hand to cover it. This gives Savings Bank of Danbury a Texas Ratio of 27.89% 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 Savings Bank of Danbury decreased slightly from 39.77% as of December 31, 2011 to 27.89% as of December 31, 2012, resulting in a positive change of 29.85%.This indicates that the balance sheet and financial strength for Savings Bank of Danbury has improved slightly in recent periods. Deposit Growth In the past year, Savings Bank of Danbury has increased its total deposits by $14.91 million, resulting in 2.44% 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 Bank of Danbury 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 Bank of Danbury has $767.94 million in assets with $84.42 million in equity, resulting in a capitalization level of 10.99%, which is above average.

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