Savings Bank of Maine

Savings Bank of Maine is headquartered in Portland and is the 11^st largest bank in the state of Maine. It is also the 830^th largest bank in the nation. It was established in 1834 and as of March of 2012, it had grown to 349 employees at 33 locations. Savings Bank of Maine has a 4-star health rating.

Data for Q1 2012

Institution Statistics The Bank of Maine OTS # 06947 FDIC Certificate # 19686 BankRate Report View Year Established 1834 Employees 349 Primary Regulator OCC Assets and Liabilities Assets $792.67 million Loans $566.51 million Deposits $662.10 million Equity Capital $96.81 million Loan Loss Allowance $13.37 million Unbacked Noncurrent Loans $27.21 million Real Estate Owned $12.65 million Historic Data - March 2011 Assets $847.18 million Equity Capital $123.85 million Loan Loss Allowance $22.65 million Unbacked Noncurrent Loans $67.07 million Real Estate Owned $11.51 million Profit Margin - Quarterly Net Interest Margin 3.54% Return on Assets 0.03% Return on Equity 0.22% Interest Income $7.10 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 March 31, 2012 Savings Bank of Maine had $39.85 million in non-current loans and owned real-estate with $110.18 million in equity and loan loss allowances on hand to cover it. This gives Savings Bank of Maine a Texas Ratio of 36.17% which is below 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 Maine decreased slightly from 53.86% as of March 31, 2011 to 36.17% as of March 31, 2012, resulting in a positive change of 32.84%.This indicates that the balance sheet and financial strength for Savings Bank of Maine has improved slightly in recent periods. Deposit Growth In the past year, Savings Bank of Maine has increased its total deposits by $31.56 million, resulting in 5% 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 Maine 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. Savings Bank of Maine has $792.67 million in assets with $110.18 million in equity, resulting in a capitalization level of 13.90%, which is excellent.

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