The Brattleboro Savings & Loan

The Brattleboro Savings & Loan is headquartered in Brattleboro and is the 11^st largest bank in the state of Vermont. It is also the 3,282^nd largest bank in the nation. It was established in 1912 and as of September of 2011, it had grown to 44 employees at 3 locations. The Brattleboro Savings & Loan has a 3-star health rating.

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Data for Q3 2011

Institution Statistics The Brattleboro Savings and Loan Association FDIC Certificate # 28837 BankRate Report View Year Established 1912 Employees 44 Primary Regulator FDIC Assets and Liabilities Assets $185.98 million Loans $152.47 million Deposits $153.24 million Equity Capital $13.82 million Loan Loss Allowance $1.77 million Unbacked Noncurrent Loans $3.04 million Real Estate Owned $882,000 Historic Data - September 2010 Assets $187.06 million Equity Capital $13.44 million Loan Loss Allowance $1.92 million Unbacked Noncurrent Loans $1.87 million Real Estate Owned $104,000 Profit Margin - Quarterly Net Interest Margin 3.26% Return on Assets 0.16% Return on Equity 2.13% Interest Income $5.86 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 September 30, 2011 The Brattleboro Savings & Loan had $3.92 million in non-current loans and owned real-estate with $15.59 million in equity and loan loss allowances on hand to cover it. This gives The Brattleboro Savings & Loan a Texas Ratio of 25.15% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Brattleboro Savings & Loan increased slightly from 11.61% as of September 30, 2010 to 25.15% as of September 30, 2011, resulting in a negative change of 116.65%. This indicates that the balance sheet and financial strength for The Brattleboro Savings & Loan has declined slightly in recent periods. Deposit Growth In the past year, The Brattleboro Savings & Loan has increased its total deposits by $1.82 million, resulting in 1.2% 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 Brattleboro Savings & Loan 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. The Brattleboro Savings & Loan has $185.98 million in assets with $15.59 million in equity, resulting in a capitalization level of 8.38%, which is average.

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