The National Grand Bank of Marblehead

The National Grand Bank of Marblehead is headquartered in Marblehead and is the 103^rd largest bank in the state of Massachusetts. It is also the 2,488^th largest bank in the nation. It was established in 1831 and as of March of 2012, it had grown to 49 employees at 2 locations. The National Grand Bank of Marblehead has a 4-star health rating.

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Data for Q1 2012

Institution Statistics The National Grand Bank of Marblehead FDIC Certificate # 2608 BankRate Report View Year Established 1831 Employees 49 Primary Regulator OCC Assets and Liabilities Assets $259.37 million Loans $180.70 million Deposits $226.94 million Equity Capital $29.30 million Loan Loss Allowance $1.64 million Unbacked Noncurrent Loans $2.48 million Historic Data - March 2011 Assets $259.96 million Equity Capital $27.15 million Loan Loss Allowance $1.73 million Unbacked Noncurrent Loans $958,000 Profit Margin - Quarterly Net Interest Margin 3.77% Return on Assets 1.07% Return on Equity 9.58% Interest Income $2.58 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 National Grand Bank of Marblehead had $2.48 million in non-current loans and owned real-estate with $30.94 million in equity and loan loss allowances on hand to cover it. This gives The National Grand Bank of Marblehead a Texas Ratio of 8.02% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The National Grand Bank of Marblehead held steady from 3.32% as of March 31, 2011 to 8.02% as of March 31, 2012, resulting in a negative change of 141.69%. This indicates that the balance sheet and financial strength for The National Grand Bank of Marblehead has held steady in recent periods. Deposit Growth In the past year, The National Grand Bank of Marblehead has decreased its total deposits by -$2.89 million, resulting in -1.26% 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 National Grand Bank of Marblehead has shown is below 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 National Grand Bank of Marblehead has $259.37 million in assets with $30.94 million in equity, resulting in a capitalization level of 11.93%, which is above average.

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