Webster Five Cents Savings Bank

Webster Five Cents Savings Bank is headquartered in Webster and is the 48^th largest bank in the state of Massachusetts. It is also the 1,203^rd largest bank in the nation. It was established in 1868 and as of March of 2012, it had grown to 134 employees at 8 locations. Webster Five Cents Savings Bank has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Webster Five Cents Savings Bank FDIC Certificate # 90297 BankRate Report View Year Established 1868 Employees 134 Primary Regulator FDIC Assets and Liabilities Assets $560.79 million Loans $332.08 million Deposits $468.81 million Equity Capital $70.46 million Loan Loss Allowance $4.09 million Unbacked Noncurrent Loans $9.41 million Real Estate Owned $769,000 Historic Data - March 2011 Assets $551.75 million Equity Capital $67.28 million Loan Loss Allowance $4.59 million Unbacked Noncurrent Loans $15.43 million Real Estate Owned $1.16 million Profit Margin - Quarterly Net Interest Margin 3.83% Return on Assets 0.83% Return on Equity 6.65% Interest Income $5.89 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 Webster Five Cents Savings Bank had $10.18 million in non-current loans and owned real-estate with $74.55 million in equity and loan loss allowances on hand to cover it. This gives Webster Five Cents Savings Bank a Texas Ratio of 13.65% 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 Webster Five Cents Savings Bank decreased significantly from 23.57% as of March 31, 2011 to 13.65% as of March 31, 2012, resulting in a positive change of 42.09%.This indicates that the balance sheet and financial strength for Webster Five Cents Savings Bank has improved significantly in recent periods. Deposit Growth In the past year, Webster Five Cents Savings Bank has increased its total deposits by $4.83 million, resulting in 1.04% 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 Webster Five Cents Savings Bank has shown is above 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. Webster Five Cents Savings Bank has $560.79 million in assets with $74.55 million in equity, resulting in a capitalization level of 13.29%, which is excellent.

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