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, 2013
Federal Reserve System Identifier 178271




Financial summary ($ in Thousands)
2013
12 months
2012
Year
Total Assets$74,809$75,632
Loans Receivable, Net54,14349,658
Mortgage-Backed Securities8,01212,338
Investments6,7816,516
Deposits63,01361,383
Borrowings3,0005,000
Equity8,5748,814
Net Interest Income1,9041,928
Fee Income-28
Overhead1,9501,944
Net Operating Income175131
Net Income166157
Ratio Analysis Profitability%%
Return on Assets *0.220.23
Operating Return on Assets *0.230.19
Return on Equity *1.911.80
Net Interest Margin *2.632.92
Fee Income / Assets *0.000.01
Overhead / Assets *2.542.80
Efficiency Ratio95.2191.57
Asset Quality%%
Nonperforming Assets / Assets0.951.13
Nonperforming Assets / Equity & Loss Reserves8.129.50
Loss Reserves / Nonperforming Loans29.9727.64
1-4 Fam Mtg + MBS / Assets76.5775.41
Commercial Real Estate Loans / Assets3.713.82
Construction Loans / Assets0.870.19
Commercial & Industrial Loans / Assets0.100.05
Consumer Loans / Assets2.142.86
Capitalization%%
Equity / Assets11.4611.65
Tangible Capital / Tangible Assets11.4011.58
Risk-based Capital Ratio24.4125.50
Liquidity%%
Loans / Deposits85.9280.90
Non-Interest Bearing Deposits / Deposits4.294.96
Purchased Liabilities10.0811.61

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