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SAFE & SOUND® STAR RATINGS

AVON CO-OPERATIVE BANK

1 EAST MAIN STREET
AVON, Massachusetts 02322

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 178271




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$92,868$94,650$82,276
Loans Receivable, Net71,49875,43563,227
Mortgage-Backed Securities4,4705,2585,269
Investments9,0688,7187,893
Deposits79,41878,68770,486
Borrowings4,0006,5002,600
Equity9,2019,1978,936
Net Interest Income5462,2232,069
Fee Income2129
Overhead5582,1121,978
Net Operating Income45346287
Net Income52290280
Ratio Analysis Profitability%%%
Return on Assets *0.290.320.35
Operating Return on Assets *0.340.380.36
Return on Equity *3.023.203.19
Net Interest Margin *2.522.492.76
Fee Income / Assets *0.010.010.01
Overhead / Assets *2.322.312.51
Efficiency Ratio99.8289.6188.54
Asset Quality%%%
Nonperforming Assets / Assets0.820.801.14
Nonperforming Assets / Equity & Loss Reserves8.018.0210.25
Loss Reserves / Nonperforming Loans35.5735.4424.28
1-4 Fam Mtg + MBS / Assets76.1078.5177.80
Commercial Real Estate Loans / Assets2.512.493.14
Construction Loans / Assets2.743.661.22
Commercial & Industrial Loans / Assets0.150.160.06
Consumer Loans / Assets0.610.731.33
Capitalization%%%
Equity / Assets9.919.7210.86
Tangible Capital / Tangible Assets9.879.6810.81
Risk-based Capital Ratio20.4619.4322.40
Liquidity%%%
Loans / Deposits90.0395.8789.70
Non-Interest Bearing Deposits / Deposits4.353.503.86
Purchased Liabilities16.8219.0910.94

* Calculations are based on the latest four quarters of income and expense.
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