Stoneham Savings Bank

Stoneham Savings Bank is headquartered in Stoneham and is the 81^st largest bank in the state of Massachusetts. It is also the 1,915^st largest bank in the nation. It was established in 1855 and as of March of 2012, it had grown to 68 employees at 6 locations. Stoneham Savings Bank has a 4-star health rating.

Stoneham Savings Bank Routing Number: 211370480

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Data for Q1 2012

Institution Statistics Stoneham Savings Bank FDIC Certificate # 90286 BankRate Report View Year Established 1855 Employees 68 Primary Regulator FDIC Assets and Liabilities Assets $342.86 million Loans $186.67 million Deposits $251.43 million Equity Capital $33.46 million Loan Loss Allowance $60,000 Unbacked Noncurrent Loans $1.52 million Historic Data - March 2011 Assets $366.82 million Equity Capital $23.58 million Loan Loss Allowance $1.83 million Unbacked Noncurrent Loans $6.31 million Real Estate Owned $8.44 million Profit Margin - Quarterly Net Interest Margin 2.12% Return on Assets 4.52% Return on Equity 62.08% Interest Income $1.76 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 Stoneham Savings Bank had $1.52 million in non-current loans and owned real-estate with $33.52 million in equity and loan loss allowances on hand to cover it. This gives Stoneham Savings Bank a Texas Ratio of 4.53% 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 Stoneham Savings Bank decreased significantly from 58.01% as of March 31, 2011 to 4.53% as of March 31, 2012, resulting in a positive change of 92.19%.This indicates that the balance sheet and financial strength for Stoneham Savings Bank has improved significantly in recent periods. Deposit Growth In the past year, Stoneham Savings Bank has decreased its total deposits by -$32.34 million, resulting in -11.4% 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 Stoneham Savings Bank has shown is poor. 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. Stoneham Savings Bank has $342.86 million in assets with $33.52 million in equity, resulting in a capitalization level of 9.78%, which is average.

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