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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, 2014
Federal Reserve System Identifier 178271




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$82,276$74,809$75,632
Loans Receivable, Net63,22754,14349,658
Mortgage-Backed Securities5,2698,01212,338
Investments7,8936,7816,516
Deposits70,48663,01361,383
Borrowings2,6003,0005,000
Equity8,9368,5748,814
Net Interest Income2,0691,9041,928
Fee Income9-28
Overhead1,9781,9501,944
Net Operating Income287175131
Net Income280166157
Ratio Analysis Profitability%%%
Return on Assets *0.350.220.23
Operating Return on Assets *0.360.230.19
Return on Equity *3.191.911.80
Net Interest Margin *2.762.632.92
Fee Income / Assets *0.010.000.01
Overhead / Assets *2.512.542.80
Efficiency Ratio88.5495.2191.57
Asset Quality%%%
Nonperforming Assets / Assets1.140.951.13
Nonperforming Assets / Equity & Loss Reserves10.258.129.50
Loss Reserves / Nonperforming Loans24.2829.9727.64
1-4 Fam Mtg + MBS / Assets77.8076.5775.41
Commercial Real Estate Loans / Assets3.143.713.82
Construction Loans / Assets1.220.870.19
Commercial & Industrial Loans / Assets0.060.100.05
Consumer Loans / Assets1.332.142.86
Capitalization%%%
Equity / Assets10.8611.4611.65
Tangible Capital / Tangible Assets10.8111.4011.58
Risk-based Capital Ratio22.4024.4125.50
Liquidity%%%
Loans / Deposits89.7085.9280.90
Non-Interest Bearing Deposits / Deposits3.864.294.96
Purchased Liabilities10.9410.0811.61

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