Stafford Savings Bank

Stafford Savings Bank is headquartered in Stafford Springs and is the 36^th largest bank in the state of Connecticut. It is also the 2,819^st largest bank in the nation. It was established in 1872 and as of March of 2012, it had grown to 31 employees at 3 locations. Stafford Savings Bank has a 5-star health rating.

Stafford Savings Bank Routing Number: 211174262

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Data for Q1 2012

Institution Statistics Stafford Savings Bank FDIC Certificate # 18227 BankRate Report View Year Established 1872 Employees 31 Primary Regulator FDIC Assets and Liabilities Assets $226.43 million Loans $80.48 million Deposits $155.59 million Equity Capital $62.68 million Loan Loss Allowance $1.45 million Unbacked Noncurrent Loans $1.66 million Historic Data - March 2011 Assets $217.33 million Equity Capital $60.60 million Loan Loss Allowance $1.35 million Unbacked Noncurrent Loans $1.06 million Profit Margin - Quarterly Net Interest Margin 2.77% Return on Assets 0.84% Return on Equity 3.04% Interest Income $1.87 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 Stafford Savings Bank had $1.66 million in non-current loans and owned real-estate with $64.13 million in equity and loan loss allowances on hand to cover it. This gives Stafford Savings Bank a Texas Ratio of 2.58% 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 Stafford Savings Bank held steady from 1.71% as of March 31, 2011 to 2.58% as of March 31, 2012, resulting in a negative change of 51.11%. This indicates that the balance sheet and financial strength for Stafford Savings Bank has held steady in recent periods. Deposit Growth In the past year, Stafford Savings Bank has increased its total deposits by $4.09 million, resulting in 2.7% 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 Stafford Savings Bank 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. Stafford Savings Bank has $226.42 million in assets with $64.13 million in equity, resulting in a capitalization level of 28.32%, which is excellent.

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