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 June 30, 2014
Federal Reserve System Identifier 178271




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$79,878$74,809$75,632
Loans Receivable, Net60,70454,14349,658
Mortgage-Backed Securities5,9018,01212,338
Investments6,8586,7816,516
Deposits65,70863,01361,383
Borrowings5,2003,0005,000
Equity8,7368,5748,814
Net Interest Income1,0381,9041,928
Fee Income5-28
Overhead1,0141,9501,944
Net Operating Income116175131
Net Income133166157
Ratio Analysis Profitability%%%
Return on Assets *0.330.220.23
Operating Return on Assets *0.320.230.19
Return on Equity *2.891.911.80
Net Interest Margin *2.792.632.92
Fee Income / Assets *0.010.000.01
Overhead / Assets *2.612.542.80
Efficiency Ratio92.5295.2191.57
Asset Quality%%%
Nonperforming Assets / Assets1.340.951.13
Nonperforming Assets / Equity & Loss Reserves11.948.129.50
Loss Reserves / Nonperforming Loans21.8529.9727.64
1-4 Fam Mtg + MBS / Assets77.7076.5775.41
Commercial Real Estate Loans / Assets3.403.713.82
Construction Loans / Assets0.770.870.19
Commercial & Industrial Loans / Assets0.160.100.05
Consumer Loans / Assets1.672.142.86
Capitalization%%%
Equity / Assets10.9411.4611.65
Tangible Capital / Tangible Assets10.8911.4011.58
Risk-based Capital Ratio22.6624.4125.50
Liquidity%%%
Loans / Deposits92.3885.9280.90
Non-Interest Bearing Deposits / Deposits3.844.294.96
Purchased Liabilities13.1610.0811.61

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