SAFE & SOUND® STAR RATINGS

Financial statement

AVON CO-OPERATIVE BANK
1 EAST MAIN STREET
AVON, Massachusetts 02322

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 178271




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$73,785$74,809$75,632
Loans Receivable, Net54,44354,14349,658
Mortgage-Backed Securities7,7968,01212,338
Investments6,8256,7816,516
Deposits61,83863,01361,383
Borrowings3,0003,0005,000
Equity8,6738,5748,814
Net Interest Income5171,9041,928
Fee Income1-28
Overhead5091,9501,944
Net Operating Income34175131
Net Income40166157
Ratio Analysis Profitability%%%
Return on Assets *0.220.220.23
Operating Return on Assets *0.240.230.19
Return on Equity *1.971.911.80
Net Interest Margin *2.752.632.92
Fee Income / Assets *0.000.000.01
Overhead / Assets *2.602.542.80
Efficiency Ratio93.7495.2191.57
Asset Quality%%%
Nonperforming Assets / Assets0.000.951.13
Nonperforming Assets / Equity & Loss Reserves0.008.129.50
Loss Reserves / Nonperforming Loansn/a29.9727.64
1-4 Fam Mtg + MBS / Assets77.7076.5775.41
Commercial Real Estate Loans / Assets3.723.713.82
Construction Loans / Assets0.970.870.19
Commercial & Industrial Loans / Assets0.220.100.05
Consumer Loans / Assets2.052.142.86
Capitalization%%%
Equity / Assets11.7511.4611.65
Tangible Capital / Tangible Assets11.7011.4011.58
Risk-based Capital Ratio24.5624.4125.50
Liquidity%%%
Loans / Deposits88.0485.9280.90
Non-Interest Bearing Deposits / Deposits3.934.294.96
Purchased Liabilities10.2310.0811.61

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