Wells River Savings Bank

Wells River Savings Bank is headquartered in Wells River and is the 13^st largest bank in the state of Vermont. It is also the 3,783^rd largest bank in the nation. It was established in 1892 and as of March of 2012, it had grown to 60 employees at 6 locations. Wells River Savings Bank's savings rates are 2X the national average, and it has a 4-star health rating.

Wells River Savings Bank Routing Number: 211674788

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Data for Q1 2012

Institution Statistics Wells River Savings Bank FDIC Certificate # 14136 BankRate Report View Year Established 1892 Employees 60 Primary Regulator FDIC Assets and Liabilities Assets $155.50 million Loans $100.32 million Deposits $135.99 million Equity Capital $17.67 million Loan Loss Allowance $902,000 Unbacked Noncurrent Loans $1.56 million Real Estate Owned $252,000 Historic Data - March 2011 Assets $156.77 million Equity Capital $17.00 million Loan Loss Allowance $1.02 million Unbacked Noncurrent Loans $1.73 million Profit Margin - Quarterly Net Interest Margin 4.26% Return on Assets 0.19% Return on Equity 1.64% Interest Income $1.73 million

Institution Health Overall Score: 4 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 Wells River Savings Bank had $1.82 million in non-current loans and owned real-estate with $18.57 million in equity and loan loss allowances on hand to cover it. This gives Wells River Savings Bank a Texas Ratio of 9.78% 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 Wells River Savings Bank held steady from 10.07% as of March 31, 2011 to 9.78% as of March 31, 2012, resulting in a positive change of 2.89%.This indicates that the balance sheet and financial strength for Wells River Savings Bank has held steady in recent periods. Deposit Growth In the past year, Wells River Savings Bank has increased its total deposits by $4.09 million, resulting in 3.1% 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 Wells River 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. Wells River Savings Bank has $155.5 million in assets with $18.57 million in equity, resulting in a capitalization level of 11.94%, which is above average.

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