The Simsbury Bank & Trust Company

The Simsbury Bank & Trust Company is headquartered in Simsbury and is the 30^th largest bank in the state of Connecticut. It is also the 1,834^th largest bank in the nation. It was established in 1995 and as of March of 2012, it had grown to 74 employees at 5 locations. The Simsbury Bank & Trust Company has a 5-star health rating.

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Data for Q1 2012

Institution Statistics The Simsbury Bank & Trust Company FDIC Certificate # 33999 BankRate Report View Year Established 1995 Employees 74 Primary Regulator FDIC Assets and Liabilities Assets $361.66 million Loans $218.69 million Deposits $329.54 million Equity Capital $27.44 million Loan Loss Allowance $2.42 million Unbacked Noncurrent Loans $1.14 million Real Estate Owned $279,000 Historic Data - March 2011 Assets $325.09 million Equity Capital $21.67 million Loan Loss Allowance $2.32 million Unbacked Noncurrent Loans $2.53 million Real Estate Owned $350,000 Profit Margin - Quarterly Net Interest Margin 3.13% Return on Assets 0.55% Return on Equity 7.5% Interest Income $2.97 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 Simsbury Bank & Trust Company had $1.42 million in non-current loans and owned real-estate with $29.86 million in equity and loan loss allowances on hand to cover it. This gives The Simsbury Bank & Trust Company a Texas Ratio of 4.76% 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 Simsbury Bank & Trust Company decreased significantly from 12.00% as of March 31, 2011 to 4.76% as of March 31, 2012, resulting in a positive change of 60.31%.This indicates that the balance sheet and financial strength for The Simsbury Bank & Trust Company has improved significantly in recent periods. Deposit Growth In the past year, The Simsbury Bank & Trust Company has increased its total deposits by $30.26 million, resulting in 10.11% 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 Simsbury Bank & Trust Company 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 Simsbury Bank & Trust Company has $361.66 million in assets with $29.86 million in equity, resulting in a capitalization level of 8.26%, which is average.