Adams Co-Operative Bank

Adams Co-Operative Bank is headquartered in Adams and is the 115^st largest bank in the state of Massachusetts. It is also the 3,142^nd largest bank in the nation. It was established in 1895 and as of September of 2011, it had grown to 43 employees at 3 locations. Adams Co-Operative Bank's money market rates are 14% higher than the national average, and it has a 3-star health rating.

Adams Co-Operative Bank Routing Number: 211873686

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Data for Q3 2011

Institution Statistics Adams Co-operative Bank FDIC Certificate # 26568 BankRate Report View Year Established 1895 Employees 43 Primary Regulator FDIC Assets and Liabilities Assets $196.39 million Loans $153.20 million Deposits $150.27 million Equity Capital $18.87 million Loan Loss Allowance $1.74 million Unbacked Noncurrent Loans $6.91 million Real Estate Owned $300,000 Historic Data - September 2010 Assets $194.62 million Equity Capital $18.54 million Loan Loss Allowance $2.01 million Unbacked Noncurrent Loans $6.79 million Real Estate Owned $870,000 Profit Margin - Quarterly Net Interest Margin 3.41% Return on Assets 0.19% Return on Equity 2.03% Interest Income $6.54 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Adams Co-Operative Bank had $7.21 million in non-current loans and owned real-estate with $20.6 million in equity and loan loss allowances on hand to cover it. This gives Adams Co-Operative Bank a Texas Ratio of 35.00% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Adams Co-Operative Bank held steady from 37.26% as of September 30, 2010 to 35.00% as of September 30, 2011, resulting in a positive change of 6.06%.This indicates that the balance sheet and financial strength for Adams Co-Operative Bank has held steady in recent periods. Deposit Growth In the past year, Adams Co-Operative Bank has increased its total deposits by $935,000, resulting in 0.63% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Adams Co-Operative Bank has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Adams Co-Operative Bank has $196.39 million in assets with $20.6 million in equity, resulting in a capitalization level of 10.49%, which is above average.

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