Commonwealth Cooperative Bank

Commonwealth Cooperative Bank is headquartered in Hyde Park and is the 122^nd largest bank in the state of Massachusetts. It is also the 3,426^th largest bank in the nation. It was established in 1886 and as of March of 2012, it had grown to 23 employees at 3 locations. Commonwealth Cooperative Bank's money market rates are 36% higher than the national average, and it has a 3-star health rating.

Commonwealth Cooperative Bank Checking Account Rates

Commonwealth Cooperative Bank Savings Account Rates

Commonwealth Cooperative Bank Money Market Rates

Commonwealth Cooperative Bank CD Rates

Data for Q1 2012

Institution Statistics Commonwealth Co-operative Bank OTS # 04186 FDIC Certificate # 29842 BankRate Report View Year Established 1886 Employees 23 Primary Regulator FDIC Assets and Liabilities Assets $177.62 million Loans $119.41 million Deposits $110.52 million Equity Capital $19.81 million Loan Loss Allowance $752,000 Unbacked Noncurrent Loans $1.77 million Historic Data - March 2011 Assets $185.85 million Equity Capital $18.05 million Loan Loss Allowance $785,000 Unbacked Noncurrent Loans $927,000 Real Estate Owned $120,000 Profit Margin - Quarterly Net Interest Margin 3.6% Return on Assets 0.78% Return on Equity 7.06% Interest Income $1.97 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 March 31, 2012 Commonwealth Cooperative Bank had $1.77 million in non-current loans and owned real-estate with $20.56 million in equity and loan loss allowances on hand to cover it. This gives Commonwealth Cooperative Bank a Texas Ratio of 8.61% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Commonwealth Cooperative Bank held steady from 5.56% as of March 31, 2011 to 8.61% as of March 31, 2012, resulting in a negative change of 54.92%. This indicates that the balance sheet and financial strength for Commonwealth Cooperative Bank has held steady in recent periods. Deposit Growth In the past year, Commonwealth Cooperative Bank has decreased its total deposits by -$7.62 million, resulting in -6.45% 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 Commonwealth Cooperative Bank has shown is poor. 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. Commonwealth Cooperative Bank has $177.62 million in assets with $20.56 million in equity, resulting in a capitalization level of 11.58%, which is above average.

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