The Wilton Bank

The Wilton Bank is headquartered in Wilton and is the 49^th largest bank in the state of Connecticut. It is also the 5,681^st largest bank in the nation. It was established in 1987 and as of March of 2012, it had grown to 19 employees at 2 locations. The Wilton Bank's savings rates are 3X the national average, but it has a 2-star health rating.

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Data for Q1 2012

Institution Statistics The Wilton Bank FDIC Certificate # 26948 BankRate Report View Year Established 1987 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $73.28 million Loans $37.67 million Deposits $63.70 million Equity Capital $9.37 million Loan Loss Allowance $1.28 million Unbacked Noncurrent Loans $9.11 million Real Estate Owned $4.32 million Historic Data - March 2011 Assets $83.83 million Equity Capital $12.36 million Loan Loss Allowance $2.03 million Unbacked Noncurrent Loans $18.11 million Real Estate Owned $1.63 million Profit Margin - Quarterly Net Interest Margin 3.22% Return on Assets -2.16% Return on Equity -16.89% Interest Income $567,000

Institution Health Overall Score: 2 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 Wilton Bank had $13.42 million in non-current loans and owned real-estate with $10.64 million in equity and loan loss allowances on hand to cover it. This gives The Wilton Bank a Texas Ratio of 126.12% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Wilton Bank held steady from 137.23% as of March 31, 2011 to 126.12% as of March 31, 2012, resulting in a positive change of 8.09%.This indicates that the balance sheet and financial strength for The Wilton Bank has held steady in recent periods. Deposit Growth In the past year, The Wilton Bank has decreased its total deposits by -$7.58 million, resulting in -10.63% 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 Wilton Bank has shown is poor. 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 Wilton Bank has $73.28 million in assets with $10.64 million in equity, resulting in a capitalization level of 14.53%, which is excellent.

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