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SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 178271




Financial summary ($ in Thousands)
2012
12 months
Total Assets$75,632
Loans Receivable, Net49,658
Mortgage-Backed Securities12,338
Investments6,516
Deposits61,383
Borrowings5,000
Equity8,814
Net Interest Income1,928
Fee Income8
Overhead1,944
Net Operating Income131
Net Income157
Ratio Analysis Profitability%
Return on Assets *0.23
Operating Return on Assets *0.19
Return on Equity *1.80
Net Interest Margin *2.92
Fee Income / Assets *0.01
Overhead / Assets *2.80
Efficiency Ratio91.57
Asset Quality%
Nonperforming Assets / Assets1.13
Nonperforming Assets / Equity & Loss Reserves9.50
Loss Reserves / Nonperforming Loans27.64
1-4 Fam Mtg + MBS / Assets75.41
Commercial Real Estate Loans / Assets3.82
Construction Loans / Assets0.19
Commercial & Industrial Loans / Assets0.05
Consumer Loans / Assets2.86
Capitalization%
Equity / Assets11.65
Tangible Capital / Tangible Assets11.58
Risk-based Capital Ratio25.50
Liquidity%
Loans / Deposits80.90
Non-Interest Bearing Deposits / Deposits4.96
Purchased Liabilities11.61

* Calculations are based on the latest four quarters of income and expense.
Rating is for the quarter ending 12-31-2012; amended filings not reflected
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About this index
CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.45% 0.41%
1 yr CD
0.65% 0.65%
5 yr CD
1.24% 1.22%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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