Winter Hill Bank, FSB

Winter Hill Bank, FSB is headquartered in Somerville and is the 102^nd largest bank in the state of Massachusetts. It is also the 2,449^th largest bank in the nation. It was established in 1906 and as of March of 2012, it had grown to 60 employees at 4 locations. Winter Hill Bank, FSB has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Winter Hill Bank, FSB OTS # 01149 FDIC Certificate # 28213 BankRate Report View Year Established 1906 Employees 60 Primary Regulator OCC Assets and Liabilities Assets $263.82 million Loans $171.69 million Deposits $230.39 million Equity Capital $25.71 million Loan Loss Allowance $2.24 million Historic Data - March 2011 Assets $262.91 million Equity Capital $24.69 million Loan Loss Allowance $2.31 million Unbacked Noncurrent Loans $1.37 million Profit Margin - Quarterly Net Interest Margin 3.49% Return on Assets 0.3% Return on Equity 3.07% Interest Income $2.60 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 Winter Hill Bank, FSB had $0 in non-current loans and owned real-estate with $27.96 million in equity and loan loss allowances on hand to cover it. This gives Winter Hill Bank, FSB a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Winter Hill Bank, FSB has increased its total deposits by $2.65 million, resulting in 1.16% 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 Winter Hill Bank, FSB 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. Winter Hill Bank, FSB has $263.82 million in assets with $27.96 million in equity, resulting in a capitalization level of 10.60%, which is above average.

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