Canton Co-operative Bank

Canton Co-operative Bank is headquartered in Canton and is the 139^th largest bank in the state of Massachusetts. It is also the 4,904^th largest bank in the nation. It was established in 1891 and as of December of 2011, it had grown to 16 employees at 1 location. Canton Co-operative Bank has a 5-star health rating.

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Data for Q4 2011

Institution Statistics Canton Co-operative Bank FDIC Certificate # 26450 BankRate Report View Year Established 1891 Employees 16 Primary Regulator FED Assets and Liabilities Assets $101.38 million Loans $54.75 million Deposits $84.68 million Equity Capital $15.32 million Loan Loss Allowance $612,000 Unbacked Noncurrent Loans $725,000 Historic Data - December 2010 Assets $92.42 million Equity Capital $14.41 million Loan Loss Allowance $442,000 Unbacked Noncurrent Loans $1.55 million Profit Margin - Quarterly Net Interest Margin 3.45% Return on Assets 0.5% Return on Equity 3.24% Interest Income $3.92 million

Institution Health Overall Score: 5 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 December 31, 2011 Canton Co-operative Bank had $725,000 in non-current loans and owned real-estate with $15.93 million in equity and loan loss allowances on hand to cover it. This gives Canton Co-operative Bank a Texas Ratio of 4.55% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Canton Co-operative Bank decreased significantly from 10.40% as of December 31, 2010 to 4.55% as of December 31, 2011, resulting in a positive change of 56.25%.This indicates that the balance sheet and financial strength for Canton Co-operative Bank has improved significantly in recent periods. Deposit Growth In the past year, Canton Co-operative Bank has increased its total deposits by $10.45 million, resulting in 14.07% 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 Canton Co-operative Bank has shown is excellent. 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. Canton Co-operative Bank has $101.38 million in assets with $15.93 million in equity, resulting in a capitalization level of 15.72%, which is excellent.

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