The Edgartown National Bank

The Edgartown National Bank is headquartered in Edgartown and is the 133^rd largest bank in the state of Massachusetts. It is also the 4,171^st largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 37 employees at 4 locations. The Edgartown National Bank's savings rates are 92% higher than the national average, and it has a 4-star health rating.

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Data for Q1 2012

Institution Statistics The Edgartown National Bank FDIC Certificate # 2575 BankRate Report View Year Established 1905 Employees 37 Primary Regulator OCC Assets and Liabilities Assets $133.75 million Loans $109.63 million Deposits $104.07 million Equity Capital $16.11 million Loan Loss Allowance $1.05 million Unbacked Noncurrent Loans $2.65 million Historic Data - March 2011 Assets $127.92 million Equity Capital $12.38 million Loan Loss Allowance $958,000 Unbacked Noncurrent Loans $2.35 million Profit Margin - Quarterly Net Interest Margin 4.15% Return on Assets 0.54% Return on Equity 4.53% Interest Income $1.42 million

Institution Health Overall Score: 4 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 Edgartown National Bank had $2.65 million in non-current loans and owned real-estate with $17.15 million in equity and loan loss allowances on hand to cover it. This gives The Edgartown National Bank a Texas Ratio of 15.44% 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 Edgartown National Bank held steady from 17.64% as of March 31, 2011 to 15.44% as of March 31, 2012, resulting in a positive change of 12.49%.This indicates that the balance sheet and financial strength for The Edgartown National Bank has held steady in recent periods. Deposit Growth In the past year, The Edgartown National Bank has decreased its total deposits by $-866,000, resulting in -0.83% 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 Edgartown 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. The Edgartown National Bank has $133.75 million in assets with $17.15 million in equity, resulting in a capitalization level of 12.82%, which is excellent.

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