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SAFE & SOUND® STAR RATINGS

AVON CO-OPERATIVE BANK

1 EAST MAIN STREET
AVON, Massachusetts 02322

STAR RATING: 3 starstarstar G
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 178271




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$93,353$82,276$74,809
Loans Receivable, Net70,27963,22754,143
Mortgage-Backed Securities6,0975,2698,012
Investments8,0907,8936,781
Deposits77,22470,48663,013
Borrowings6,8002,6003,000
Equity9,0418,9368,574
Net Interest Income5292,0691,904
Fee Income39-2
Overhead5081,9781,950
Net Operating Income76287175
Net Income67280166
Ratio Analysis Profitability%%%
Return on Assets *0.370.350.22
Operating Return on Assets *0.400.360.23
Return on Equity *3.463.191.91
Net Interest Margin *2.602.762.63
Fee Income / Assets *0.010.010.00
Overhead / Assets *2.412.512.54
Efficiency Ratio87.4488.5495.21
Asset Quality%%%
Nonperforming Assets / Assets0.811.140.95
Nonperforming Assets / Equity & Loss Reserves8.1710.258.12
Loss Reserves / Nonperforming Loans35.6524.2829.97
1-4 Fam Mtg + MBS / Assets76.5877.8076.57
Commercial Real Estate Loans / Assets2.743.143.71
Construction Loans / Assets1.741.220.87
Commercial & Industrial Loans / Assets0.050.060.10
Consumer Loans / Assets0.991.332.14
Capitalization%%%
Equity / Assets9.6810.8611.46
Tangible Capital / Tangible Assets9.6410.8111.40
Risk-based Capital Ratio20.2022.4024.41
Liquidity%%%
Loans / Deposits91.0189.7085.92
Non-Interest Bearing Deposits / Deposits3.753.864.29
Purchased Liabilities19.0110.9410.08

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