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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 September 30, 2015
Federal Reserve System Identifier 178271




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$92,723$82,276$74,809
Loans Receivable, Net73,46363,22754,143
Mortgage-Backed Securities5,5295,2698,012
Investments8,6127,8936,781
Deposits78,36470,48663,013
Borrowings5,0002,6003,000
Equity9,0868,9368,574
Net Interest Income1,6462,0691,904
Fee Income89-2
Overhead1,5761,9781,950
Net Operating Income283287175
Net Income228280166
Ratio Analysis Profitability%%%
Return on Assets *0.350.350.22
Operating Return on Assets *0.420.360.23
Return on Equity *3.423.191.91
Net Interest Margin *2.502.762.63
Fee Income / Assets *0.010.010.00
Overhead / Assets *2.352.512.54
Efficiency Ratio89.8588.5495.21
Asset Quality%%%
Nonperforming Assets / Assets0.821.140.95
Nonperforming Assets / Equity & Loss Reserves8.1210.258.12
Loss Reserves / Nonperforming Loans34.2624.2829.97
1-4 Fam Mtg + MBS / Assets79.7577.8076.57
Commercial Real Estate Loans / Assets2.573.143.71
Construction Loans / Assets2.381.220.87
Commercial & Industrial Loans / Assets0.030.060.10
Consumer Loans / Assets0.741.332.14
Capitalization%%%
Equity / Assets9.8010.8611.46
Tangible Capital / Tangible Assets9.7610.8111.40
Risk-based Capital Ratio19.9522.4024.41
Liquidity%%%
Loans / Deposits93.7589.7085.92
Non-Interest Bearing Deposits / Deposits4.193.864.29
Purchased Liabilities16.7810.9410.08

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