The Bank of Bennington

The Bank of Bennington is headquartered in Bennington and is the 7^th largest bank in the state of Vermont. It is also the 2,080^th largest bank in the nation. It was established in 1917 and as of March of 2012, it had grown to 56 employees at 4 locations. The Bank of Bennington's savings rates are 2X the national average, and it boasts a 5-star health rating.

The Bank of Bennington Routing Number: 211672609

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Data for Q1 2012

Institution Statistics The Bank of Bennington OTS # 05214 FDIC Certificate # 30350 BankRate Report View Year Established 1917 Employees 56 Primary Regulator OCC Assets and Liabilities Assets $312.76 million Loans $253.03 million Deposits $204.57 million Equity Capital $29.58 million Loan Loss Allowance $3.68 million Unbacked Noncurrent Loans $864,000 Real Estate Owned $123,000 Historic Data - March 2011 Assets $290.63 million Equity Capital $27.61 million Loan Loss Allowance $3.13 million Unbacked Noncurrent Loans $2.81 million Profit Margin - Quarterly Net Interest Margin 3.43% Return on Assets 0.45% Return on Equity 4.85% Interest Income $3.31 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 The Bank of Bennington had $987,000 in non-current loans and owned real-estate with $33.26 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Bennington a Texas Ratio of 2.97% 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 The Bank of Bennington decreased significantly from 8.72% as of March 31, 2011 to 2.97% as of March 31, 2012, resulting in a positive change of 65.96%.This indicates that the balance sheet and financial strength for The Bank of Bennington has improved significantly in recent periods. Deposit Growth In the past year, The Bank of Bennington has increased its total deposits by $12.8 million, resulting in 6.67% 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 The Bank of Bennington 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. The Bank of Bennington has $312.76 million in assets with $33.26 million in equity, resulting in a capitalization level of 10.63%, which is above average.

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