Thomaston Savings Bank

Thomaston Savings Bank is headquartered in Thomaston and is the 19^st largest bank in the state of Connecticut. It is also the 932^nd largest bank in the nation. It was established in 1874 and as of March of 2012, it had grown to 139 employees at 9 locations. Thomaston Savings Bank's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

Thomaston Savings Bank Routing Number: 211174259

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Data for Q1 2012

Institution Statistics Thomaston Savings Bank FDIC Certificate # 18258 BankRate Report View Year Established 1874 Employees 139 Primary Regulator FDIC Assets and Liabilities Assets $713.94 million Loans $449.95 million Deposits $579.43 million Equity Capital $90.42 million Loan Loss Allowance $4.41 million Unbacked Noncurrent Loans $6.80 million Real Estate Owned $502,000 Historic Data - March 2011 Assets $660.39 million Equity Capital $84.61 million Loan Loss Allowance $3.07 million Unbacked Noncurrent Loans $7.27 million Real Estate Owned $1.22 million Profit Margin - Quarterly Net Interest Margin 3.3% Return on Assets 0.51% Return on Equity 3.98% Interest Income $7.01 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 Thomaston Savings Bank had $7.31 million in non-current loans and owned real-estate with $94.83 million in equity and loan loss allowances on hand to cover it. This gives Thomaston Savings Bank a Texas Ratio of 7.70% 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 Thomaston Savings Bank decreased slightly from 9.99% as of March 31, 2011 to 7.70% as of March 31, 2012, resulting in a positive change of 22.90%.This indicates that the balance sheet and financial strength for Thomaston Savings Bank has improved slightly in recent periods. Deposit Growth In the past year, Thomaston Savings Bank has increased its total deposits by $44.34 million, resulting in 8.29% 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 Thomaston Savings 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. Thomaston Savings Bank has $713.94 million in assets with $94.83 million in equity, resulting in a capitalization level of 13.28%, which is excellent.

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