The Guilford Savings Bank

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The Guilford Savings Bank Locations

Deposit Rates - May 12, 2021

CD RATES APY MIN MAX
6 Mo CD
0.05% $10,000 $14,999 Compare
6 Mo CD
0.05% $100,000 $199,999 Compare
12 Mo CD
0.05% $10,000 $14,999 Compare
12 Mo CD
0.05% $100,000 $199,999 Compare
18 Mo CD
0.05% $10,000 $14,999 Compare
18 Mo CD
0.05% $100,000 $199,999 Compare
24 Mo CD
0.05% $10,000 $14,999 Compare
24 Mo CD
0.05% $100,000 $199,999 Compare
36 Mo CD
0.10% $10,000 $14,999 Compare
36 Mo CD
0.10% $100,000 $199,999 Compare
48 Mo CD
0.15% $10,000 $14,999 Compare
48 Mo CD
0.15% $100,000 $199,999 Compare
60 Mo CD
0.20% $10,000 $14,999 Compare
60 Mo CD
0.20% $100,000 $199,999 Compare
MM RATES APY MIN MAX
Money Market
0.02% $2,500 $2,999 Compare
Money Market
0.02% $10,000 $14,999 Compare
Money Market
0.02% $25,000 $29,999 Compare
PREMM RATES APY MIN MAX
Premium Money Market
0.10% $10,000 $14,999 Compare
Premium Money Market
0.10% $25,000 $34,999 Compare
INT CHECKING RATES APY MIN MAX
Int Ckg
0.05% $2,500 $3,499

Loan Rates - May 12, 2021

MORTGAGE PURCHASE APR(%) MONTHLY PAYMENT
5 Year Adjustable Conforming
4.59% $1,157.79
7 Year Adjustable Conforming
4.52% $1,176.31
15 Year Fixed Conforming
3.97% $1,818.06
20 Year Fixed Conforming
4.30% $1,532.13
30 Year Fixed Conforming
4.37% $1,229.85
MORTGAGE REFINANCE APR(%) MONTHLY PAYMENT
5 Year Adjustable Conforming
4.59% $1,157.79
7 Year Adjustable Conforming
4.52% $1,176.31
15 Year Fixed Conforming
3.97% $1,818.06
20 Year Fixed Conforming
4.30% $1,532.13
30 Year Fixed Conforming
4.37% $1,229.85
HOME EQUITY RATES APR(%) MONTHLY PAYMENT
Line of Credit
5.25% Varies
10 Year Loan
4.25% $512.19
15 Year Loan
4.75% $388.92
AUTO LOAN RATES APR(%) MONTHLY PAYMENT
3 Year
5.75% $757.72
4 Year
6.00% $587.13
5 Year
6.25% $486.23

Overview 2021

General Bank Information

FDIC Insured Yes
FDIC Certificate # 18194
Date Established 1875
Assets $ 970.98 million
Loans $ 686.33 million
Deposits $ 798.54 million
Capital $ 107.54 million

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $ 68.60 million
Interest-bearing balances $ 63.13 million
Total securities $ 162.12 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 686.33 million
Loan loss allowance $ 7.77 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 4.52 million
All other assets $ 38.15 million
     Total Assets $ 863.44 million

LIABILITIES
Total deposits $ 798.54 million
      Interest-bearing deposits $ 716.54 million
      Deposits held in domestic offices $ 798.54 million
      % insured (estimated) 73.26%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 46.57 million
Subordinated debt N.A.
All other liabilities $ 18.33 millionn
      Total Liabilities $ 863.44 million
      Shareholders’ Equity $ 107.54 million

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $ 31.29 million
Total Interest Expense $ 4.93 million
Net interest income $ 26.35 million
Provision for loan and lease losses $ 1.71 million
Total non interest income $ 4.76 million
Total non interest expense $ 22.04 million
Pre-tax Net Operating Income $ 7.37 million

The Guilford Savings Bank is an FDIC insured institution headquartered at One Park Street, Guilford, CT 6437.
It was founded in 1875 and has approximately $1 billion in assets. Customers can open an account at one of its 7 branches.