The Rockport National Bank

The Rockport National Bank is headquartered in Rockport and is the 120^th largest bank in the state of Massachusetts. It is also the 3,300^th largest bank in the nation. It was established in 1865 and as of March of 2012, it had grown to 47 employees at 5 locations. The Rockport National Bank's savings rates are 10X the national average, and it boasts a 5-star health rating.

The Rockport National Bank Checking Account Rates

The Rockport National Bank Savings Account Rates

The Rockport National Bank Money Market Rates

The Rockport National Bank CD Rates

Data for Q1 2012

Institution Statistics The Rockport National Bank FDIC Certificate # 2644 BankRate Report View Year Established 1865 Employees 47 Primary Regulator OCC Assets and Liabilities Assets $185.99 million Loans $131.50 million Deposits $167.16 million Equity Capital $16.16 million Loan Loss Allowance $1.58 million Unbacked Noncurrent Loans $1.17 million Historic Data - March 2011 Assets $169.09 million Equity Capital $12.28 million Loan Loss Allowance $1.44 million Unbacked Noncurrent Loans $813,000 Real Estate Owned $425,000 Profit Margin - Quarterly Net Interest Margin 4.27% Return on Assets 0.63% Return on Equity 7.14% Interest Income $1.98 million

Institution Health Overall Score: 5 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 Rockport National Bank had $1.17 million in non-current loans and owned real-estate with $17.73 million in equity and loan loss allowances on hand to cover it. This gives The Rockport National Bank a Texas Ratio of 6.58% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Rockport National Bank decreased slightly from 9.03% as of March 31, 2011 to 6.58% as of March 31, 2012, resulting in a positive change of 27.09%.This indicates that the balance sheet and financial strength for The Rockport National Bank has improved slightly in recent periods. Deposit Growth In the past year, The Rockport National Bank has increased its total deposits by $12.56 million, resulting in 8.13% 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 Rockport National Bank has shown is excellent. 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 Rockport National Bank has $185.99 million in assets with $17.73 million in equity, resulting in a capitalization level of 9.53%, which is average.

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