Fidelity Co-operative Bank

Fidelity Co-operative Bank is headquartered in Fitchburg and is the 56^th largest bank in the state of Massachusetts. It is also the 1,311^st largest bank in the nation. It was established in 1888 and as of March of 2012, it had grown to 111 employees at 8 locations. Fidelity Co-operative Bank has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Fidelity Co-operative Bank FDIC Certificate # 26451 BankRate Report View Year Established 1888 Employees 111 Primary Regulator FDIC Assets and Liabilities Assets $515.96 million Loans $358.30 million Deposits $412.35 million Equity Capital $43.22 million Loan Loss Allowance $4.03 million Unbacked Noncurrent Loans $5.31 million Real Estate Owned $1.01 million Historic Data - March 2011 Assets $521.99 million Equity Capital $39.51 million Loan Loss Allowance $4.62 million Unbacked Noncurrent Loans $5.24 million Real Estate Owned $1.01 million Profit Margin - Quarterly Net Interest Margin 3.84% Return on Assets 0.59% Return on Equity 7.1% Interest Income $5.38 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 Fidelity Co-operative Bank had $6.32 million in non-current loans and owned real-estate with $47.25 million in equity and loan loss allowances on hand to cover it. This gives Fidelity Co-operative Bank a Texas Ratio of 13.38% 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 Fidelity Co-operative Bank held steady from 14.16% as of March 31, 2011 to 13.38% as of March 31, 2012, resulting in a positive change of 5.51%.This indicates that the balance sheet and financial strength for Fidelity Co-operative Bank has held steady in recent periods. Deposit Growth In the past year, Fidelity Co-operative Bank has increased its total deposits by $14.18 million, resulting in 3.56% 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 Fidelity 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. Fidelity Co-operative Bank has $515.96 million in assets with $47.25 million in equity, resulting in a capitalization level of 9.16%, which is average.

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