Dean Co-operative Bank

Dean Co-operative Bank is headquartered in Franklin and is the 108^th largest bank in the state of Massachusetts. It is also the 2,736^th largest bank in the nation. It was established in 1889 and as of March of 2012, it had grown to 64 employees at 5 locations. Dean Co-operative Bank has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Dean Co-operative Bank FDIC Certificate # 27269 BankRate Report View Year Established 1889 Employees 64 Primary Regulator FDIC Assets and Liabilities Assets $234.47 million Loans $169.41 million Deposits $191.44 million Equity Capital $19.62 million Loan Loss Allowance $2.03 million Unbacked Noncurrent Loans $4.95 million Real Estate Owned $897,000 Historic Data - March 2011 Assets $219.40 million Equity Capital $18.05 million Loan Loss Allowance $2.12 million Unbacked Noncurrent Loans $8.18 million Real Estate Owned $670,000 Profit Margin - Quarterly Net Interest Margin 3.78% Return on Assets 0.56% Return on Equity 6.58% Interest Income $2.28 million

Institution Health Overall Score: 4 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 Dean Co-operative Bank had $5.85 million in non-current loans and owned real-estate with $21.65 million in equity and loan loss allowances on hand to cover it. This gives Dean Co-operative Bank a Texas Ratio of 27.02% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Dean Co-operative Bank decreased slightly from 43.84% as of March 31, 2011 to 27.02% as of March 31, 2012, resulting in a positive change of 38.36%.This indicates that the balance sheet and financial strength for Dean Co-operative Bank has improved slightly in recent periods. Deposit Growth In the past year, Dean Co-operative Bank has increased its total deposits by $5.56 million, resulting in 2.99% 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 Dean Co-operative Bank has shown is above 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. Dean Co-operative Bank has $234.47 million in assets with $21.65 million in equity, resulting in a capitalization level of 9.23%, which is average.

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