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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 December 31, 2015
Federal Reserve System Identifier 178271




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$94,650$82,276$74,809
Loans Receivable, Net75,43563,22754,143
Mortgage-Backed Securities5,2585,2698,012
Investments8,7187,8936,781
Deposits78,68770,48663,013
Borrowings6,5002,6003,000
Equity9,1978,9368,574
Net Interest Income2,2232,0691,904
Fee Income129-2
Overhead2,1121,9781,950
Net Operating Income346287175
Net Income290280166
Ratio Analysis Profitability%%%
Return on Assets *0.320.350.22
Operating Return on Assets *0.380.360.23
Return on Equity *3.203.191.91
Net Interest Margin *2.492.762.63
Fee Income / Assets *0.010.010.00
Overhead / Assets *2.312.512.54
Efficiency Ratio89.6188.5495.21
Asset Quality%%%
Nonperforming Assets / Assets0.801.140.95
Nonperforming Assets / Equity & Loss Reserves8.0210.258.12
Loss Reserves / Nonperforming Loans35.4424.2829.97
1-4 Fam Mtg + MBS / Assets78.5177.8076.57
Commercial Real Estate Loans / Assets2.493.143.71
Construction Loans / Assets3.661.220.87
Commercial & Industrial Loans / Assets0.160.060.10
Consumer Loans / Assets0.731.332.14
Capitalization%%%
Equity / Assets9.7210.8611.46
Tangible Capital / Tangible Assets9.6810.8111.40
Risk-based Capital Ratio19.4322.4024.41
Liquidity%%%
Loans / Deposits95.8789.7085.92
Non-Interest Bearing Deposits / Deposits3.503.864.29
Purchased Liabilities19.0910.9410.08

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