The Connecticut Bank and Trust Company

The Connecticut Bank and Trust Company is headquartered in Hartford and is the 34^th largest bank in the state of Connecticut. It is also the 2,324^th largest bank in the nation. It was established in 2004 and as of March of 2012, it had grown to 67 employees at 8 locations. The Connecticut Bank and Trust Company has a 3-star health rating.

Data for Q1 2012

Institution Statistics The Connecticut Bank and Trust Company FDIC Certificate # 57690 BankRate Report View Year Established 2004 Employees 67 Primary Regulator FED Assets and Liabilities Assets $278.19 million Loans $210.68 million Deposits $217.18 million Equity Capital $22.05 million Loan Loss Allowance $3.87 million Unbacked Noncurrent Loans $10.46 million Real Estate Owned $1.92 million Historic Data - March 2011 Assets $273.63 million Equity Capital $25.52 million Loan Loss Allowance $3.38 million Unbacked Noncurrent Loans $7.43 million Real Estate Owned $648,000 Profit Margin - Quarterly Net Interest Margin 3.58% Return on Assets -2.06% Return on Equity -25.35% Interest Income $3.07 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 Connecticut Bank and Trust Company had $12.37 million in non-current loans and owned real-estate with $25.92 million in equity and loan loss allowances on hand to cover it. This gives The Connecticut Bank and Trust Company a Texas Ratio of 47.74% 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 Connecticut Bank and Trust Company increased slightly from 30.59% as of March 31, 2011 to 47.74% as of March 31, 2012, resulting in a negative change of 56.06%. This indicates that the balance sheet and financial strength for The Connecticut Bank and Trust Company has declined slightly in recent periods. Deposit Growth In the past year, The Connecticut Bank and Trust Company has increased its total deposits by $4.55 million, resulting in 2.14% 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 Connecticut Bank and Trust Company 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 Connecticut Bank and Trust Company has $278.19 million in assets with $25.92 million in equity, resulting in a capitalization level of 9.32%, which is average.

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