The Bank of Canton

The Bank of Canton is headquartered in Canton and is the 42^nd largest bank in the state of Massachusetts. It is also the 1,044^th largest bank in the nation. It was established in 1835 and as of March of 2012, it had grown to 167 employees at 9 locations. The Bank of Canton has a 3-star health rating.

The Bank of Canton Routing Number: 211373102

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Data for Q1 2012

Institution Statistics The Bank of Canton FDIC Certificate # 90175 BankRate Report View Year Established 1835 Employees 167 Primary Regulator FDIC Assets and Liabilities Assets $636.21 million Loans $473.43 million Deposits $546.62 million Equity Capital $53.17 million Loan Loss Allowance $6.30 million Unbacked Noncurrent Loans $19.23 million Real Estate Owned $2.50 million Historic Data - March 2011 Assets $638.86 million Equity Capital $51.21 million Loan Loss Allowance $7.34 million Unbacked Noncurrent Loans $19.52 million Real Estate Owned $7.48 million Profit Margin - Quarterly Net Interest Margin 4.03% Return on Assets 0.3% Return on Equity 3.57% Interest Income $6.76 million

Institution Health Overall Score: 3 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 Canton had $21.74 million in non-current loans and owned real-estate with $59.46 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Canton a Texas Ratio of 36.55% which is below average. 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 Canton decreased slightly from 46.11% as of March 31, 2011 to 36.55% as of March 31, 2012, resulting in a positive change of 20.73%.This indicates that the balance sheet and financial strength for The Bank of Canton has improved slightly in recent periods. Deposit Growth In the past year, The Bank of Canton has decreased its total deposits by -$2 million, resulting in -0.36% 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 Canton 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. The Bank of Canton has $636.21 million in assets with $59.46 million in equity, resulting in a capitalization level of 9.35%, which is average.

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