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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, 2014
Federal Reserve System Identifier 178271




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$81,701$74,809$75,632
Loans Receivable, Net62,86554,14349,658
Mortgage-Backed Securities5,4448,01212,338
Investments7,8616,7816,516
Deposits68,23763,01361,383
Borrowings4,4003,0005,000
Equity8,8128,5748,814
Net Interest Income1,5571,9041,928
Fee Income7-28
Overhead1,4821,9501,944
Net Operating Income196175131
Net Income200166157
Ratio Analysis Profitability%%%
Return on Assets *0.340.220.23
Operating Return on Assets *0.340.230.19
Return on Equity *3.021.911.80
Net Interest Margin *2.732.632.92
Fee Income / Assets *0.010.000.01
Overhead / Assets *2.532.542.80
Efficiency Ratio89.9895.2191.57
Asset Quality%%%
Nonperforming Assets / Assets1.300.951.13
Nonperforming Assets / Equity & Loss Reserves11.728.129.50
Loss Reserves / Nonperforming Loans22.2629.9727.64
1-4 Fam Mtg + MBS / Assets77.6076.5775.41
Commercial Real Estate Loans / Assets3.273.713.82
Construction Loans / Assets1.380.870.19
Commercial & Industrial Loans / Assets0.150.100.05
Consumer Loans / Assets1.522.142.86
Capitalization%%%
Equity / Assets10.7911.4611.65
Tangible Capital / Tangible Assets10.7411.4011.58
Risk-based Capital Ratio22.2124.4125.50
Liquidity%%%
Loans / Deposits92.1385.9280.90
Non-Interest Bearing Deposits / Deposits4.474.294.96
Purchased Liabilities12.1510.0811.61

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