Talbots Classics National Bank

Talbots Classics National Bank is headquartered in Lincoln and is the 14^st largest bank in the state of Rhode Island. It is also the 7,287^th largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 6 employees at 1 location. Talbots Classics National Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics Talbots Classics National Bank FDIC Certificate # 35485 BankRate Report View Year Established 2000 Employees 6 Primary Regulator OCC Assets and Liabilities Assets $8.43 million Deposits $5.50 million Equity Capital $2.60 million Historic Data - March 2011 Assets $11.12 million Equity Capital $4.09 million Profit Margin - Quarterly Net Interest Margin 0% Return on Assets -0.05% Return on Equity -0.15% Interest Income $13,000

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 Talbots Classics National Bank had $0 in non-current loans and owned real-estate with $2.6 million in equity and loan loss allowances on hand to cover it. This gives Talbots Classics National Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Talbots Classics National Bank has increased its total deposits by $0, resulting in 0% 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 Talbots Classics National Bank has shown is 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. Talbots Classics National Bank has $8.43 million in assets with $2.6 million in equity, resulting in a capitalization level of 30.84%, which is excellent.

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