State Street Bank and Trust Company

State Street Bank and Trust Company is headquartered in Boston and is the largest bank in the state of Massachusetts. It is also the 9^th largest bank in the nation. It was established in 1792 and as of December of 2012, it had grown to 27,221 employees at 1 location. State Street Bank and Trust Company has a 5-star health rating.

State Street Bank and Trust Company Routing Number: 011000028

Data for Q4 2012

Institution Statistics State Street Bank and Trust Company FDIC Certificate # 14 BankRate Report View Year Established 1792 Employees 27221 Primary Regulator FED Assets and Liabilities Assets $218.66 billion Loans $12.35 billion Deposits $168.55 billion Equity Capital $19.68 billion Loan Loss Allowance $21.60 million Unbacked Noncurrent Loans $23,000 Real Estate Owned $64.69 million Historic Data - December 2011 Assets $212.29 billion Equity Capital $18.49 billion Loan Loss Allowance $22.12 million Unbacked Noncurrent Loans $4.84 million Real Estate Owned $75.15 million Profit Margin - Quarterly Net Interest Margin 1.55% Return on Assets 0.96% Return on Equity 10.22% Interest Income $3.01 billion

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 December 31, 2012 State Street Bank and Trust Company had $64.72 million in non-current loans and owned real-estate with $19.7 billion in equity and loan loss allowances on hand to cover it. This gives State Street Bank and Trust Company a Texas Ratio of 0.33% 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 State Street Bank and Trust Company decreased slightly from 0.43% as of December 31, 2011 to 0.33% as of December 31, 2012, resulting in a positive change of 23.95%.This indicates that the balance sheet and financial strength for State Street Bank and Trust Company has improved slightly in recent periods. Deposit Growth In the past year, State Street Bank and Trust Company has increased its total deposits by $5.83 billion, resulting in 3.58% 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 State Street Bank and Trust Company 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. State Street Bank and Trust Company has $218.66 billion in assets with $19.7 billion in equity, resulting in a capitalization level of 9.01%, which is average.

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